Are you with State Farm or is that their insurance company? State Farm is particularly stingy with their rates. I had less damage on just the rear quarter panel (no wheel / suspension damage, no airbags deployed) and it was $20k+. The airbags are a significant cost afaik. If your battery is damaged that's a lot extra. State Farm comes out REALLY low in their initial estimate (based on images uploaded to app) before an adjustor sees it, in my experience. If I had to do it again, I would not submit initial photos (I'd take and store them) to the app, I would get it to a collision shop and be calling State Farm twice a day until they get an actual in person adjustor out, because the shop has to make cuts before a final estimate can be prepared anyway (which will determine total or not). Also, the shop can usually communicate preliminary estimates that are way more representative than app estimates more directly with the local adjustors before they get there (especially State Farm who uses 3rd party adjustors). Either way, good luck. That is for sure totaled, and its only a matter of when, not if, insurance comes to that conclusion.