You shouldn't base you assumtion on thought.
Here is a real deal :
I currently have Clio V6 (Premium) and 9 lvl. I raced this car few times. get some damage and price tag is 20k. I repeired it for 20k. Then in next race some cars crashed with me along.
20 k after one race. So i thought srew that i won't pay any cent if there is no mechanical damage.
So after like 15-20 races my Clio V6
- Don't go very fast. (I can't even win with bunch of Type r's
)
- Gear changes sometimes on a whim of car
- It is going slightly left
and price tag for damage still 20k.
After rigity repair all my problems were solved.
About the price. I think there is a price cap as someone mentioned. Few times i got price like 5k or 10k. But most of the time it is 20k.
After short analysis of my crashing history i think you should all consider that this cap is veeery small. I litelary can't think that lambo who will bump other car when both cars are breaking from 100-150 km/h would have price tag of repair only a half of car cost. It would be literaly obliterated to ashes.
Even at speed of 60km/h or 50Km/s head on collision with wall with car like GTR will do some reeaaally big damage to point of sending car to junkyard.
Be thanfull to Kaz that you can't total your cars Because some minor 60 km/h crash for us would mean 90% times buying a new car.
edit:
and consider supercars sometimes have big parts from one big piece of metal or aluminium. One minor crash and for the whole car could be fatal.