I use to work at a body shop in MD for a year i swear everything was totaled very easy. We had a Ram come in with 5,000 miles on it two months old got T-boned needed doors,fender, center door post, rim,tire, bed side, my boss said he could used parts for 2,500$ then paint them to match but it came back totaled.

its all ins work basically, basically as long as its not over 70% of vehicles worth, ins will repair it, esp if it was a 100% at fault from other driver,