I had a bear get into my wife's subaru, and the door closed once it was inside. The bear decided to try its best for ~10 minutes, angry and pissed, to claw out. You can imagine the interior damage. Eventually it pushed/broke the driver's side window out after it ripped all the interior paneling off and cracked most of the other windows.
We had comprehensive coverage and basically got these two offers (vehicle was totalled, but it was all interior / windows):
- $6,100 if we kept it
- $6,400 if they took it / scrap yard
So for $300 I kept it. Spent $300 on the window, another $300 on another window, and a weekend re-assembling as much interior as I could. It drives fine and smells just a smidge like bear piss on the passenger seat.
Third car now, salvage title, planned non-op since we don't use it, and I have a fun little project car to poke around with or to use when the Land Cruiser is up on blocks / getting worked on and I need to grab lunch/tools/parts in town.
Also, when you get the initial replacement value back, make sure you send in receipts of upgrades you put in. They calculate the cost by looking at same make/model/year sales that happened within a few hundred miles in the last year. I got $600 more because I pointed out that it had brand new snow tires and showed the receipt.
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