WHILE DRIVING 45 MPH DOWN A CITY ROAD IN VA. BEACH A CAR ON OUR RIGHT HAND SIDE ENTERED THE INTERSECTION MAKING A LEFT HAND TURN. THE CAR ENTERED THE INTERSECTION APPROX. 20-25 FEET AHEAD OF US. I IMMEDIATLEY HIT THE BRAKES AND TURNED THE CAR TO THE LEFT AS TO TRY AND AVOID A COLLISION. WE ENDED UP T-BONING THE ONCOMING VEHICLE. OUR 4-RUNNER WAS CLAIMED A TOTAL LOSE DUE TO A BEND FRAME. THE FRONT END DAMAGE WAS ESTIMATED AT 4-6 THOUSAND DOLLARS. THE FULL FRONT END AND PASSENGER FENDER WERE DESTROYED. NEITHER AIRBAG DEPLOYED. I ESTIMATE THE MPH OF IMPACT TO BE BETWEEN 35-40 MPH.*AK