In the majority of instances it is true. It is important to consult your insurance company to determine what insurance you're covered under for this type of repair.
The signs of a bent car frame may include difficulty steering, uneven tire wear, and gaps that are uneven between the doors and body panels. A bent frame could cause suspension issues, such as uneven ride height or misalignment of the wheels, and uneven wear on the tires. In extreme instances the bent frame could cause the vehicle to be difficult to drive and create a risk for operation.