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I mean it’s all related to the appraised value of the car. And given this had to be relatively recent given the model year, that car was worth a lot when the insurance company totaled it. To give you a datapoint, I just sold my 2020 premium manual with 32k miles for almost 28k to Vroom. No insurance company is going to total a car unless they have to given the loss they are likely to take. So I am guessing the damage was significant including engine and frame.
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