(http://i420.photobucket.com/albums/pp283/nici1809/G40Shells.png)
Yep, that's the case for most cars, but generally not for long.
My mate stacked his 106 years ago and "body shell" was on the insurance quote - hence it being a write-off.
I saw a stand at SEMA last year that had a load of unused Mustang shells on it - not cheap though!