Is my 2016 Civic EX-T Totaled?

BubbzWasHere

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Kaleb
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Denver, CO
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2018 Civic Hatchback Sport 6mt
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The cost to repair was 13k and the market value is 18k? Was that 13k in labor and plus parts?

Am I missing something?
Generally, if the cost to repair is around 75% or more of the cars value, insurance will declare it a total loss. So 13,500 would be the 75% mark here, and I'm guessing that it was either at/around 13,500 or the adjuster figured since nothing had been taken apart, that once that happened more repairs would be found upping the cost to repair.
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