I had a moderate accident recently and there's damage to both wheels/tires, body and bumper. There is probably damage to bearings and drive shafts/CV joints. Possibly suspension damage also. details and pictures here I've been thinking about having the car junked since the repair cost will probably approach a sizable fraction of the car's market value (~7-8K) and I don't like having a car that's been in an accident. Also it bothers me that the car has been hit in drive wheels, which is basically what makes the car go and turn. What percentage of a car's market value does repair have to meet in order for insurance to declare the car a loss? I've heard it's pretty common for insurance to get rid of the car even in only moderate damage. I tried calling my friend who works in insurance but she hasn't gotten back to me yet.