I struck a column in a multilevel garage while reversing out of a parking spot, my mistake completely, resulting in damage to the driver door, door hinge, mirror, and front quarter panel. Progressive considered the car totaled due to the cost/availability/labor to fix it. Unsure what the cost would be for a toyota or honda, but I was perplexed at the total loss of my still drivable car.
This is effectively the same sort of accident my friend had.
It's not entirely because of all the gadgets in there. They have a massive supply chain restriction which means that some repair centers can't even be sure that they will ever get the parts they need for some repairs.