Potential Severe Weather tomorrow, 3-22-22 (Update: Tornadoes on ground in metro area)

We had a tree top break off and fall on top of car. Pretty sure insurance will total it and with used car prices like they are I will probably not get near bout as good a car with the settlement.
I'm just curious and allow any insurance expert to correct me if i'm wrong. Cars are usually only totaled if the frame
is damaged