i had a '85 GTI that was totalled because someone stole the wheels off of it.

Thats it.
no accident, no flood, no damage to the rest of the car  -  someone just
stole the wheels. insurance company deemed the cost of wheel and tire
replacement to exceed the value of the car so they "totalled" it.   its just
a money thing.   i bought the car back for a pittance, went to the junkyard
and got another set of wheels and drove it for another 3 years then sold it
for more than i paid for it.

insurance companies = legalized gambling...   its just a money thing..   they
make money on you but when it comes time for them to pay out a claim.. HA!
they take the cheapest and easiest way out.

chris