We had a similar accident in our Prius and it didn’t look nearly as bad as yours. Our insurance company declared it a total loss within a day. The good thing is that it was clearly the other person’s fault. That means your insurance company is more likely to declare it a total loss and send the bill for a new one to the other party’s insurance company. Since you would be entitled to diminished value and loss of use, it’s highly unlikely they would come out ahead arguing to fix it. Your insurance company could care less about the cost to repair it as long as they are confident that the other insurance company will pay for a replacement.
The latest offer to boost the acceleration for $2K has left a lot of us wondering how insurance would handle this. I would expect the other party to be required to reimburse for that expense. But if it were your fault your insurance company may not considered it to be covered. Same with paint correction, ceramic coating, PPF, etc.
And of course the diminishing and almost gone tax deduction, coupled with recent price increases, adds more complexity to the math. Make sure you argue to be made whole for the actual replacement cost, including sales tax and registration fees. We were made whole for all of those costs with our claim, along with an extra $15K for pain and suffering.
And by the way, in case you haven’t noticed, your neck is really sore right now and your back is in constant pain.
