generally, if the air bags go off, the insurance company will total it unless it's less than 3 years old ( 5 yrs in some states ) and under 50k miles usually..

with that said.. the book value on the base model '05 Outlander is $9,640.. if this is the vehicle you have ( automatic, LS with standard eqp ).. you would need a estimate for less than $9,000 or else they won't fix it..

but.. If you do have the base model, if they give you $12,600 there not screwing you. you end up with a good deal that way