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Different insurance companies have different standards on what is considered totaled. This could also be different from country to country or even state to state. I believe its 70% to 80% of the vehicles value for my insurance. I damaged the rear quarter panel on my car where they had to cut out the old panel and weld in a different one. It cost $5k for a car I paid $7k for and they didn't total it. There was of course additional damage elsewhere.
About three years after that the panel had started rusting really badly and so I had the insurance fix it again under their "warranty" which is no cost to me and a "lifetime guarantee". They cut the panel out again and welded another new panel in and this cost just over $3k. If I ever have any other issues, I will be taking it back to them and having them fix it again. It would be good to ask your insurance about these things when signing up. I also usually take photos of my car the day I insure it just in case something happens. It might seem overkill but life is unpredictable.
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