My cousin the insurance agent gave me an answer that probably fits
your case. Insurance companies go by two major factors when
determining rates. First is how much it costs to repair the 'average'
accident damage, and 2nd is how badly passengers are injured in
accidents. He told me that over 50% of Prius involved in what would be
a moderate collision in another vehicle are total losses because
repair costs exceed book value of the vehicle. Any damage to the
$,000 battery pack requires replacing it. Even if it's not directly
hit in the collision cell terminals crack and cause problems. Add in
substatntial body damage and it's cheaper to junk it.