[crotchfire]

Certain brands are designed without any consideration for repairability. Like a smartphone (on wheels). Or an "inverse Toyota".

All the median-priced-cars from these brands, which are instantly totaled by anything other than cosmetic damage, are still driving up everybody else's rates.

[nullc]

I don't know how to draft a law that deals with that, ... and it's probably a worse problem than the high price cars simply because fender benders are more common than serious accidents.