My girlfriends 2000 H/B was stolen yesterday and recovered last night around midnight about an hour and a half away. No hood, no headlights, no tailights, ignition busted, no quarter panels and missing rims. Although it sucks, at least she'll save $500/month on payments/insurance.....if it's totaled. So my question now is. With that amount of "cosmetic" damage do you think the insurance co. will total it?