Same thing happened to me. I had a '96 V6 and lost control and jumped a curb then jumped a ditch... the frame and the axle got bent... They kept the car for 8 weeks before finally totalling it. Each week the expected cost to repair got higher and higher... I think that at a point the insurance company would rather total it, take possession of the car and sell it out of state to recover some of their losses. My car didn't look that bad but they totalled it instead of fixing it.
The insurance company barely paid off the car.
The upside was that the car pay off made my credit look really good and I bought a new GT 'vert afterwards...
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