Quote:
Originally Posted by photon
That doesn't seem fair, as it'll cost us more than that to replace it with the exact same car won't it?
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About the only way to avoid that is on new cars. You're able to add the option to get back the value of a new vehicle of the same make/model for the first few years to account for the rapid depreciation of new cars.
On anything more than a few years old, you're pretty much boned. Although I've heard of a few people go the same route as _Q_ suggested with positive results.