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The price point of that year BRZ = Airbag deploy almost always totaled, no airbag deploy possibly fixable. Have that same accident with airbag deploy in a $60k car they will spend $20k to fix it.
To you point of totaling a car being a financial decision on the insurance company is correct. So when a totaled car get repaired they had to cut corners somewhere to reduce the repair cost. Not all the time but there is that chance.
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