It was a “non-collision” accident due to evading another car that wiped out hitting a deer, so third party insurance isn’t involved and there is no fault assigned. It was suspected frame damage that caused the vehicle to be totaled.
The valuation was provided by a third party service, and this report does include “local” comps, and that is almost entirely what the valuation is based on. The problem, aside from just entering the specs wrong, is that they of course choose the lowest-priced matches from Autotrader for make / model / year. I’ve done a ton of research on used car buying in the past and already knew these were going to be total lemons, and sure enough 100% of the vehicles they provided were auction sales with >= 1 accidents on the history reports.
The first one I looked at was covered in dirt both inside and out and had been wrecked but not reported, which I learned from using the Lexus/Toyota database and seeing that a technician discovered front-end damage during an A/C repair. These are almost always vehicles that sell in a metro area, completely disappear off the service record grid for years, then reappear several states away with an accident reported and multiple owners. 
(<- actual symbol used). Like I was saying, there’s a reason why the cheapest used cars are the cheapest used cars.
on yet another. Unsurprisingly, this car was offered by a shady used car lot that had a stellar 1.9-star rating. There’s a reason why Uncle Tom-Bob’s Car Mart is several thousand dollars cheaper than your franchise Toyota dealership.