A car is considered "totaled" by insurance companies if the vehicle's overall damage in 80% or greater

That having an accident can Null your Vehicles Warranty.

There is nearly 80 feet (8 Stories) of Wire in a Modern Car? Really.

Most of the dings and chips in a car's exterior paint can be covered my most laquer or enamel nail polishes

You have the right to choose your repair shop. Your insurance company can not require you to go to a particular repair facility.