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ectoplasmosis
I was naively shocked when I put an absolutely tiny scratch on the bumper of a hire car. I say tiny, maybe an inch and def noticeable, and knowing I had excess waiver insurance I owned up, thinking they'd most likely waive it or if it was charged I found the cost of a replacement bumper online as a few hundred quid and didn't feel too bad about any of it. Anyway, hire company charged me 1,900 euros for the 'repair' (fairly confident considering the state of the car generally that they won't have actually repaired it) - outraged, I rang my excess insurers assuming they would want to challenge this and asking what the process was. The guy just said, very calmly, that this was hardly the worst he'd heard today and it wasn't worth their time challenging so they just paid.
It's basically just widely accepted fraud isn't it, which maybe people think is OK because they're getting paid by the big faceless insurance companies, but eventually, of course, it is paid for by consumers?