Not long ago, some bozo rear-ended my wife. He wasn’t going fast enough to injure her, but he was driving a pickup, and his bumper sailed over the bumper of our sedan and caved in the trunk and one of the quarter-panels. It caused more damage than the value of the car, and when the insurance adjuster left us a voicemail with news of the appraisal, he described it as a “total loss.” Then at the end of the message he said, “Have a great day.”