The bottom line is that your vehicle is worth less after a claim.   Not the full amount but less than before.   This loss of value isn't covered.

It WILL affect your resale because many people will skip over vehicles with a large claim on Carproof - even if the damage was just cosmetic.   If they don't skip over the vehicle, then the claim will be used as leverage to get a better price.    As the seller, you can try to hold off, but in the end you are taking a risk that another buyer is out there who won't care about the claim.    If not, then you have to keep trying, or drop your price.

And the story about how a dealer sells a vehicle with a claim is a little unrealistic because the same dealer will lowball on buying the vehicle because of the claim - same as any other buyer.    They know the market, would NOT overpay so they have margin to play with.

Insurance companies will repair the damage, but you foot the bill for the loss of value.