Last november, an old lady pulled out infront of me on an intersection "because she didn't see me in the tretcherous winter sun". I got 2,900$ to replace the front bumper, hood, left lamp, and radiator support, and paint matching. So it's probably 4,000$ I'm assuming. I got my current car because the air bags popped in my 96, and the windshield broke, CV joint etc. So, the jist of it is, if the damage repair cost is more than the car, they usually call it totaled and give you a check for the ammount of the cars worth.