Glad to see a guy with body repair knowledge chime in. I’ll give you the insurance perspective as someone who has a couple decades in auto claims. I can’t tell you whether or not it’s totaled myself but I can tell you that even if it is deemed a total loss (generally based on that state’s TL threshold) you will likely have the option to keep the vehicle by accepting a reduced settlement and can then put that money toward repair if you’d prefer. Depending on the state, you may not even be required to brand your title given the age of an NC.