"147,000,000" is 147 million.
"147,000,000" is 147 million. Correctly written 147 billion is 147,000,000,000.
People don't pay for repairs. Insurance companies do. So insurance premiums will take into account the cost of repair. Ford says they have worked with insurance industry to ensure premiums will be very close to outgoing model. I think they have contracts with most major insurance companies to do the repair at the dealership at a significant discount.