In general, if the cost of repairs exceeds the value of the vehicle, the insurance company will total the vehicle. However, there are some exceptions to this rule. For example, if the vehicle is still safe to drive and the cost of repairs is close to the value of the vehicle, the insurance company may decide to repair the vehicle rather than total it.
If you are in an accident and your air bag deploys, it is important to talk to your insurance company to find out if your vehicle is considered totaled. They will be able to provide you with an estimate of the cost of repairs and let you know what your options are.