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Airbags blowing dont necessarily anymore lead to a total loss. That used to be the case, but not so much anymore since they are MUCH cheaper.
I had FAR less damage(at least to the eye) to a 3 month old Subaru WRX STI and it was totalled. 17k in damage(t boned into A pillar)+150 days of rental car($4500)+possible transmission issues($7000 for a new trans installed at Subaru) since one wheel locked while the other 3 turned. Sticker on that car was around 37k. The adjuster in that case said when it gets close monetarily that its a judgement call. Also dont forget to bring up diminished value in the overall equation.
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