The insurance report has to specify by federal law. Reminds me of over two decades ago I wanted a used small pickup 4WD. Went to a Carmax and looked at several varying manufacturers. I noticed all the Rangers had the exact staining in the floorboards and sandy silt underneath the seat rails. I asked the young sales man where they buy their trucks and he stated they have a buyer for that. I said, yes, but where do you get them? He evaded my question indirectly over and over and finally I said look son, these are obviously flood vehicles as they all have the same clues to being just that. He didn’t know what to say back so I kindly turned and walked away.
My point, don’t be afraid to be demanding of why was it designated a total. If they evade the question with trying to run down other rabbit trails, kindly say, you all have a great day and then walk to your vehicle and drive into the sunset.