@Arthur36 unless they hit with enough force to damage the frame (probably unlikely in a parking lot accident) seriously doubt it will be totaled. Between my mom, my husband and I, we’ve had 4 vehicles with a total of at least 6 doors, 4 quarter panels, 3 rear bumpers, 3 front bumpers, a trunk, hood, grill and some lights replaced. They’ve all come back from the shop as good as new. On my older cars I was able to get insurance to cover the cost of a new clearcoat on the entire vehicle so that the paint on the new parts would fade at the same rate as the original, but when I had my ‘12 CR-V repaired they assured me that’s not as much of a concern as it used to be. I would still see if you can get insurance to cover a new clearcoat for the whole thing though. I wouldn’t get a different SUV just because of some body damage but of course it’s up to you and your wife.