You'd be shocked how expensive it is to repair a vehicle back to new for insurance purposes. Bent frame is almost instant total total. You can always repair them, but you'll end up with a salvage title which is almost worthless to anyone but you. My wife has been in 2 accidents, 1 was about like the one pictured and the other worse. Both were totaled by the insurance company. The one like the picture was actually drivable from the scene.