This is a little bit off topic, but I will mention it for information sake.
Totalled is not what it used to mean.
My Mustang convertible was totalled when thieves sliced a small hole in the convertible top (for a wire to get the door handle) and broke the ignition key switch to get it running.
My daughter uses the car in a college town, and some kids needed a ride home in the winter. There was no vandalism or no other damage inflicted.
The insurance company "totaled" the car and paid out around $4000.00 to me, mainly because they did not want the aggravation of taking the car to a top shop, then on to a mechanical shop; and then listening to a whiny client who claimed every little new thing that went wrong with the car, was a result of this theft and joyride.
I fixed the car for around $2000.00, using the best top (inner and outer and a glass rear window with a defogger) that can be bought, a new ignition key cylinder and new H-rated tires as a special treat. Then I had the car painted, bought a new sound system, bought a remote starter, alarm and keyless entry system and still had money left over.
I got a safety inspection (at the insistence of the insurance company) and got insurance on the vehicle, and it is as safe or safer than it has ever been.
Your instincts tell you that the insurance company would only write off a vehicle that is beyond repair. In my case, they could have fixed it for $2000.00, but chose to write it off for $4000.00 to save them time and aggravation.
If you wonder why your rates are high, remember this story.