Twenty years ago you were ina car crash? Get it repaired and get back on the road.
Now, cars are so complex that it costs too much to repair them. Plus, they are never the same again after an accident.
From May 23, 2024:
https://www.caranddriver.com/news/a60882953/average-age-us-cars-trucks-suvs-rises/
Older cars have less value and are harder to get parts for, both of which increase the likelihood they'll get written off.