I drifted into the back of a car on snow and ice. My car was going 10-15mph. $15K of damage repaired at an independent shop... (they did an amazing job and fought the insurance company for OEM over pattern parts). Car was worth under $20K. Maybe $17K?

If I showed you a photo of the damage you would believe me even less...

(The morning I got the car back, someone drove into the front and caused another $12K of almost identical damage. That was a great day)