I understand the use of the 60% rule is common in which the cost of repair must exceed 60% of the replacement cost before they will total the car. There are many factors that determine how much a rear end collision settlement may be worth, such as: New 2012 Hyundai Azera Hyundai Azera Azera Hyundai See if they can do that. Rear ended car totaled . They definitely totaled my car. Generally speaking, you need to have surgery for an insurance company to offer you more than $100,000. Also, check your frame, it's probably kinked on the part where it goes over rear axle. Most rear end car accident cases settle for much less than $200,000. Rear fascia, truck, light bar, tail light assembly, passing rear. I was rear ended last year and it bent the rear of the fram inward and rotated it a few degrees down. The other vehicle may also show little damage, or may have a crumpled hood and smashed front end, depending on the size and weight of your cars. My insurance company...