I had a relatively inexpensive 2019 Leaf that got into a fender bender and it was totaled. It was mostly cosmetic damage and air bags. I really miss that car. With the rise in car prices the amount the insurance company paid wouldn't cover a 2019 replacement and with Covid I no longer drove as much so didn't need a second car for the family.
Airbags are awfully expensive, and on top of that they damage the interior — dash, seats, roof and door lining may all need replacing too. Some cars also have one-time-use seatbelt pre-tensioners.