^^agreed.
Especially with a 'luxury' vehicle like a Land Rover. MSRP on replacement parts is HUGE. And since the trucks lose value so fast, it doesn't take a very crazy wreck to cause enough damage to enough pieces to total it out.
Got rear ended in my D1. Received over $1k for the damage (bumper, end cap, and bumper light busted, with a small dent on the rear quarter panel). But INS has to buy the whole new bumper, TWO end caps, TWO bumper lights, ALL new mounting hardware/brackets, plus an entire new quarter panel, then pay for all the painting and hourly charges at the shop. Of course I didnt really car, took the check and bought suspension upgrades...a busted bumper, pfft, it is bound to happen on the trail anyway.
Just try and look around the frame. Frame damage, even if repaired, is never good. Weakens the crumple points and you will find that V8 in your knees.