Yeah, a “total loss” to me is a fire where the car is worth $100 to a scrapper. To insurance, if every fender and bumper gets dented, it’s a total loss, but I’m happy to continue driving it, and it still has $2k+ in parts.

A family member made money on a not-at-fault accident where they would pay $2700 to a repair place, but they took a cheque for $1900 and got it fixed for $950 (parts and labour).