So, referring to a comment above, my insurance company absolutely will cover a car with a salvage title... I did call and ask while considering one.
I watched the Volvo-salvage guy I knew for a time, as I kept an eye on his lot for one I’d want. Volvo’s total out easily because there are no/few 3rd party body part manufacturers, and all of the oem body panels are pricey. A simple front clip replacement with some hood and maybe radiator support damage will quickly total one out. He had developed relationships over the years with junkyards and dealerships and had a surplus of panels from the one set of models he specialized in, and relied on those relationships to keep costs down. Basically, he’d swap parts, had a good paint guy, and farmed any electronics works out to a shop he did a lot of business with. This was a small business, yes, but he cared about his products and took pride in his work. I hope he’s doing ok. I stopped looking and havent gone back, but I appreciated his work and his products.