“I don’t know the answer but I do know that I would never have my car fixed given that choice again. I did it because I loved the car and have had to make other repairs that may never have been necessary.”
I assume you fixed the car, then had the accident some time later. I can understand that it irks you to have spent the money and won’t get to put a few miles on the car. But you couldn’t forsee this event. Stuff happens. It’s nothing you could control so don’t let it bother you.