Because a service advisor at another dealership did mention that in past they did have to mechanically total a car through insurance. After checking with our insurance it was confirmed that while this option is legit, it does require the vehicle to be separately covered for it. So it's like an add-on option when selecting insurance coverage. And it DOES mechanically total a vehicle if "it cannot be repaired safely or cannot be repaired at all". In this case, through the dealership, it "cannot be repaired at all", due to lack of parts being available.