There are also reasons an insurer will total a vehicle even if the damage doesn't come close to value.

Relative had a vehicle stolen, got recovered. Insurance wanted to fix it, until the relative inspected the truck and there were used syringes/needles in the vehicle, all over the interior. Comment was if you and the repair shop want the liability of one of the family, including young kids, getting stuck by a missed needle, have at it.

Rules and situations vary.

Stop being a slacker not a charger... lol Always like you input on these threads.