To "total" someone's bit by just crashing another bit into it I'd say you would each have to be running R-specs with dual batteries and green gears (the ones in my signature, 3.43:1) at full speed into each other head on. Then MAYBE the body would shatter and the bit would die from the shock.

Then your friend beats you senseless and steals $30 from your unconcious body to replace the car you wrecked for a measly 5 points.