Hi All - reaching out for help/ guidance. So my 2022 M3 LR got into an accident recently. There were no airbags deployed but driver side rear wheel suspension broke. While insurance company is still determining the next steps I feel they will move towards declaring it total. Now I am not sure how does that work out for me…it’s just 1 year old car with fully paid FSD . Anyone who has had to go through similar experience recently? My concern is of what I have read online, insurance companies tend to declare Teslas quiet often and if that happens I may end up losing money. Thoughts?