this whole nrma thing is disastrous for the industry, im in the parts business and it is impossible to assess damage through a picture. theres a hell of alot of parrts that sit behind the panels or under the car. chassis could be twisted and reo's bent that are impossible to pick up in a picture.
i know plenty of smash repairers feeling the pinch.. i guess its just another way of nrma trying to monopolise the market, by getting a cheap bodgy job done for minimal $$$ they can charge less on there premiums