Ive seen them get totaled sometimes but not others, kind of depends on the insurance company I think.
buddy wrecked his LTR bent frame, plastics, steering stem, fuel tank was crushed in, and quite a bit more I cant think of now ad they fixed his.
another buddy got his DS650 stolen. the guys that stole it beat the crap out of it, and thought it would be a good idea to pull the drain plug and run the motor til it locked up. so needed a motor, plastics, tires, axle and some other things. they didnt total this one either.
another buddy wrecked his DVX 400 bent steering stem, and a-arm on the one side and a tie rod, no frame, engine or plastic damage. Totaled.