Perhaps if your not real bright and use NEW parts on a 15+ year old car purchased diretly from an expensive retail source. The car in question will go straight to a rebuilder the title will be washed to get rid of the salvage and the repairs will be made and then the car will go to an auto auction and then a dealer. The insurance industry and the rebuilders are in bed with one another. The insurance companies total cars that are repairable and the rebuilders buy them patch them back together and sell them to consumers at a hefty profit. The insurance companies love this because they can total a car quickly sell the wreck just as quickly and rip the consumer off by starting negotiaions off under wholesale value on the car.

Even with "Severe" underbody damage the airbag and module could be replaced and any collateral damage could be repaired (brake cables and exhaust damage) and the car would still be quite safe to drive.

To the original owner. If you want to see something real amusing wait about 6 months and do a carfax on your VIN. You will be amazed to see it has a washed title and its probably registered to its new owner in another state.

The insurance companies and rebuilders have been defrauding consumers for years like this and will continue not matter what laws are put into place and no matter how carfax tries to adapt. There are too many loopholes in state laws and the vehicles are moved around a lot to take advantage of these laws.