general problems of the 2008 Volkswagen New Beetle

Dear madam / sir, two days ago I had and accident with my "2008 and still under warranty car". I dropped the car at the rockville, MD official dealer, then I called the insurance company and my insurance agent. The three (agent, insurance inspector and dealer) inspected the car and approved a $1,440 spending to fix it. Since I got surprised; I asked the reason of the very low repairing labor and parts exchange costs of a sub-frame vw part # vw1j0-199-313-m (large steel part to supporting the engine, suspension and transmission), transmission oil pan part #vw09g-321-361-a (place where the oil transmission is keep), and a center shield engine-transm axle a large and heavy underbody protecting metallic part. They said these days it is a common rule to recycle used parts from similar vehicles, and low costs of the "used parts" utilized to fix my car (no matter the key role of the parts). At this point I am asking myself: what about safety? in any way? not only used parts from other cars have not quality inspected, even worse I guess this practice encourage the cars stilling. Are we all (customers) aware of this?, is it any ". Org" or ". Gov" organization which regulates these used parts market? are we protecting our safety? can we as a customers complaint somewhere about this? please give me your opinion. Thank you so much.

I was driving on a paved road on my way to work. My car was making an awful grinding noise, so I was taking it easy and made a note to take it to the dealer very soon. I heard a jingling noise, like something metal falling. It repeated a second time. 100 yards down the road, my car started making a hard clunking noise. It felt like a flat tire. I pulled off and inspected the tires, which were fine. I looked underneath to see if there was anything suspicious. My engine looked a little low, but I didn't know how low was normal. The tow truck arrived and said my engine fell out. The bolts supporting the engine had sheared off. The vehicle is only two years old with under 30k miles on it. I've owned it for a year. I have never hit anything, gone off road, or bottomed out in the vehicle. Nothing at all that would have caused this to happen. The dealership is insisting that I had a collision and refusing to pay for repairs.