We learned that in our state, when damage to your vehicle is greater than 75% of value it can be considered a total loss.
Our insurance co almost refused to repair our old car after an uninsured motorist hit it (while it was parked in our driveway!). They were contemplating only giving us our blue book value of our car.
Thankfully, they did repair it. And then we dropped collision. Realized at that point that it definitely wasn't worth it.
less stuff, more time
(48, married; DH 52. I am fully retired as of 2015 (well ok, I still work part-time but only because I love the job and have complete freedom to call off if I want to travel with hubby for work), DH will fully retire 2018 when he turns 55 to access 401K penalty-free)