I agree there is a BIG difference between a "financial" decision and a engineering (structural) one.
I know of more than one Pantera that received "cosmetic" damage only, but the amount (plus a large fudge factor) was more than the "agreed value" so the car could have been considered a "total".
(not my car.)
However the damage was truely minor and undeserving of the "Salvage Title" blemish.
Flood damage is another thing entirely!
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