We have a 'disclaimer' that says the idiot pays for ANY damage and that has meant $00 and $500 and $200 so far but with a radiator at 4350 it is very easy to run up a parts bill and labour on top, even at the ridiculous rate of $10 an hour for the mechanic
A chassis is $2,000,stupid price plus two days work as well as wishbones, hubs, shafts etc, alloy Wheels we get fixed by Wheelfixit for about $25.
A bolt on section would save a LOT of work and money.