hm that's interesting. seems sort of unfair because, say you DAMAGED my car badly, wouldnt you have to pay the cost of the repairs, that is, the cost it takes to get my item back to the shape it was in before you hit me?
so, with any item that i cannot simply buy a used one of at a proportionate price (e.g. a bong), if it's totaled, that's way worse than any level of damage below totaling because i will NOT be awarded the amount necessary to return my item to the state it was in before you hit me?