No, there is no statutory rule for when a vehicle is totalled or not: it is up to the insurer. An insurer could chose to pay for $10,000 in repairs to a $5,000 car, or to total a $10,000 car and give you a check for that amount when the repair cost is only $1,000, for example--it would be exceedingly odd if they did either of those things, but they may. The typical practice is to total it when the repair cost exceeds the then-current value; that means that even if you are correct, if the car's value then was $6,200 and the repairs cost $5,470, there is nothing exceptional about them paying for the repairs, rather than totalling the vehicle.