Is it otherwise healthy? I've repaired my VW 3 times when the repair has exceeded the value, 2 deer, 1 curb. The first two times insurance cheerfully fixed it. The 3rd time they wanted to total it and actually offered me 1,500 more than the repair would have cost, but I told her it was in stellar condition and asked that it not be totaled. She pushed back and said she'd do what she could but even if it gets totaled, I always had the option of buying it back dirt cheap and fixing it myself. I probably would have come out slightly ahead. But as it turned out they fixed it with a clear title. The carfax must look terrifying though.

If you like it, fix it. If you don't then let them total it and keep it. I don't think it's much more complicated.