That's not a hard and fast rule. Varies by insurance company and can end up a judgment call by the adjuster.flyingn said:wayne. it takes 2/3 of the total bluebook value to total a vehicle. Figure bluebook on a used base RAV can't be more then 20k. 13,200 of damage means totalled. A new quarter panel on our XL7 costed almost $4500 2 years ago. Does not take much to reack 13k.