Will our expedition get totaled out?

my mom ran off the road today and hit a ditch and we out into a open field the truck almost tipped over it was because of snowy weather so yea she tore half of the plastic lower bumper off and the front suspension might be screwed so i'm just wondering will they totaled it out since its a 1999 XLT with 171,000 miles just wondering this has never happen before so idk we are with gieco insurance