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At a minimum that car needed the bumper cover, bumper impact beam, AC condenser, and radiator replaced if the accident damaged the radiator.
However, that should not have been sufficient cost to total the car. Add headlights, the hood, fans, and (possibly) the core support and the repair cost is climbing, but still shouldn’t be hitting 75% of value for the mileage and year.
So, why was it totaled? Because unless it was hit in a parking lot, hitting the front hard enough to damage the radiator should have detonated the airbag.
With no passenger, the steering wheel bag and driver’s seat belt would both need replacement. The SRS module would need to be replaced. And, the impact sensors in the bumper need to be replaced. With a passenger, add the passenger air bag, seatbelt, and a new dash. Safety equipment is where the real cost adds up fast.
It’s not uncommon for a good front end hit to also damage the intake/airbox and/or washer tank and/or coolant tank.
I’d have it thoroughly inspected and ask for receipts for the repairs. Then, I’d pay no more than $14k if it checks out perfectly (doubtful considering the bumper wasn’t painted correctly).
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