It seems to me that a lot of insurance companies are eager to declare a car to be a total loss these days. Back when I started driving, in the early 1970s, my insurance company wouldn't declare a wrecked car a total loss unless the frame was bent beyond repair. Just about any other kind of damage was viewed as repairable, so the insurance company would pay the repair shop and raise my premiums.
A few years ago, I got into a minor car accident in a brand new vehicle. I drove into the side of another car that went through a red light. My air bags deployed, although the speed was just barely 30mph. My front bumper got pushed back a few inches from the impact. In my mind, it could have been towed to a shop and hammered back into shape. The radiator was cracked, but the engine still started and ran.
Instead, the insurance company decided the damage went behind the "apron", and it declared the car a total loss. I didn't have gap insurance, so the insurance check for ACV went straight to the car dealership and we still owed $1200 on the loan. Gap insurance would have paid the difference.