Standardcode...I am not familiar with U.S. insurance policies...but, many insurance companies offer a guaranteed value or a replacement cost endorsement that can be added to your auto policy when you buy a new car.



In my jurisdiction, if you have this endorsement on your policy, if your car is a w/o, then the settlement amount is not depreciated.



You should check your policy to see if it contains this endorsement...if not, you should check with your insurance company to see if they sell such an endorsement. ..if so, was it offered to you by your sales agent?

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