Late last year, my sister's RAV4 was rear-ended in a very low-speed accident, pushing her into the hitch receiver of the truck in front of her. She had some cosmetic damage in the rear and a hole punched through the radiator in the front, but all damage was easily fixable or replaceable. Insurance came back with an estimate at 76% of the car's value (75% is considered totaled, in Idaho at least). We were going to fight it, but ended up taking the payout due to some known issues with that RAV4 prior to the accident.
Fast-forward to about a month ago, my mom's Camry was t-boned in the rear driver's door. The fix would be replacing the door and some cosmetic work to the quarter panel. Can you guess what the repair estimate was? Again, 76% of the value of the car. I wish I was making this up. We are currently debating whether to fight it, take the pay-out, or take the salvage title and get a cheap repair.
In both cases, "frame damage" was cited but never confirmed, pushing the repair estimate totals up. Other little things like rim replacement where also included, despite serious questions about whether or not they were even damaged in the accident.
In both these cases, we didn't have a lot invested in the vehicles. They were stock and frankly easily replaceable (though the ethics of just throwing out a good vehicle are another discussion). Our Land Cruisers are far from stock, and are not just "replaceable". With the LC "discontinued" in the U.S. for now (certainly never coming back with a naturally aspirated V8), and with only ~3,000 J200s sold each year in the US during their production, and with all the time invested into mods in almost all cases, we just can't afford to take an arbitrary insurance total lying down. I figured buying a 200 series would almost guarantee I never had to deal with arbitrary insurance totals given the vehicle's value. If they are really trying to total out a $40k+ vehicle for minor door scrapes, that's terrifying. With all the economic factors at play in the auto market currently, I think we could all stand to be better informed regarding insurance claims.
I honestly think you should start a thread here on MUD asking for advice on fighting total claims from insurance. Not legal advice from members per say (because that could get us all in some trouble), but whether or not they've successfully challenged an insurance determination and, if they used legal counsel, who? I'm sure some of the members here have been through the ringer and could at least point you in the right direction.
I'm very much hoping that everything works out for you. And on a side-note, thanks for posting up this thread: As an owner of a similar 2013, there's a lot here that I'm now considering on my rig!
Got in a little side swipe incident on Garden State Parkway guard rail. 
Damages on passenger door.
