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The value doesn't always have to be more than the cost to repair, there comes a point where they calculate what they can sell the salvage for and the cost to replace. Also they look at how much total damage there is. Most of the time in a bad accident they will repair the car and forever be chasing gremlins and add to the cost of the repairs over time.
They have a formula for almost ever vehicle out there to determine when to "Total" an auto. I've seen total's that you would have never thought should have been.
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