I'm the owner of an auto body shop. Infinity Insurance came to estimate the damage, and said that my customer's 2002 Ford Explorer Eddie Bauer is a total loss. After hearing that, I looked up the Kelley Blue Book on the 2002 Ford Explorer Eddie Bauer 4x4. The SUV is in good and very well maintained condition. The value is 9, 808.00. My repair estimate was 4, 942.40, just about 50% of the value of this SUV. My customer said that he has 1000.00 deductible. That will make Infinity's part about 3, 942.40. They said they will pay off the SUV. He still owes around 9, 000.00 on it . But he still would have to pay his deductible of 1000.00 and be without a vehicle. Do the math, what a waste of money. Infinity will waste 3057.60. The vehicle CAN be repaired at a value under the total loss range.