There probably was no need to fix the rear hatch, either.
The max insurance will pay is usually actual cash value, which is somewhat loosely approximated by checking what it would cost to buy your car, with the mileage and trim that it has, from a dealer, used. At least for mine, a 2014 JSW, that value has bounced back by quite a lot since June-- and has receovered nearly all of the value lost since October 2015. At this point, it has recovered to the point where the retail value plus the restitution (which you get if your TDI is totaled) is within shouting distance of the buyback value. That suggests to me that the risk of "catastrophic loss"-- at least due to collision--is diminishing over time.
Which leaves mechanical failure, like losing the HPFP or something. Which raises a question that I might put in another thread.
