What is the critera for insurance companies to “total a car” that was damaged in a flood?

Car was in water up to the door. Water went through the air filter into the engine. The following has been done on the car: engine/transaxle, air filter, spark plugs, oil, alternator, hubcap, front headlight.
The car is shiming at 65 -70 miles per hour, the trasmission is now slipping and the drivers window will not go down.
Insurance company want to fix these new problems.

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