The cars are basically unrepairable after even a minor, low-speed accident, unless you willing to pay to essentially replace everything connected to the windshield wipers.
You’ve spoken to my greatest fear. My 2012 Scion xB is Cherry at 75,000 MI. It was a California car for 10 years, just had its first Maine winter. If some jerkwad Nails me, the insurance companies will total it and take it away for half its value or less. That’ll really piss me off. So, I drive safely, very safely!