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insurance companies will insure it, bank will give a loan, why does a front end collision mean it should be taken off the road? depends on what level of damage was done. Why would the collision lead to electrical problems????

There are reasons to not get a car that has a salvage title, but your making up problems.
Did you look at the pictures? The front end was almost gone. The car was worth over $30k, and the insurance co chose to pay out rather than fix it. That should tell you something.
 

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while the vehicle shown by the OP definitely has a great deal of damage, I wonder with the current shortage of parts and lead times if insurance companies are in the mode of totalling more cars than normal to avoid long repair time and customer ill will and/or long rental car. Probably better to take a little "haircut" and be out from under a damaged vehicle than have to track, monitor for who knows how long to get it repaired and customer w/o a car.
I understand what you’re saying but, once the rental is maxed out, I don’t think the insurance co cares how long it takes. They don’t have to pay until the car is fixed. They just electronically file the paperwork away until the bill comes in. On the other hand, the body shop is another matter.
 

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I don’t think stock holders would be happy with “There are $20,000 worth of repairs, but it’s going to take 2 months so let’s pay out $30k”. Just my opinion.
 
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