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The only thing that might be "dishonest," in my view, is replacing damage with used parts. Again, in my view, taking the insurance money and then doing your own repairs, or having them done more cheaply than a "professional job," is perfectly cool. After all, you sustained the loss, and the insurance is there to "make you whole." Nobody has anything to say about what you do with the money. With my accident, the shop went to pains to get only new Subaru parts. I may be sorry when my premiums rocket into the stratosphere, but a small addendum to carfax as to how it was repaired should count for something.
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