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As someone who has totaled like 4 cars, its never been nearly enough to buy a replacement for that same car.
I read the article hoping to find out how being sideswiped by an e-scooter could total a truck, but I was left unsatisfied.
Remember that a “totaled” vehicle doesn’t mean it can’t be used, or even that it is heavily damaged just that insurance has decided that the specific repairs needed would cost more than just paying out the current value.
They don’t care if you get your vehicle fixed or replaced, insurance only cares about paying as little as possible using every loophole as possible.