Car worth that little isnt worth their time assessing - they will write them off for being keyed or a smashed window if its not a cheap one to get. The assesment would cost them a few hundred and they know what it is going to come back with from the details you give them from the accident. Basically bad enough to bother making a claim means that its more than a few $100 of repairs so will be over the %age to trigger a write off. There is no future liability for guaranteeing repairs if they just give you cash.

And they wonder why so many people do not bother insuring their cheap cars.