I'm pretty sure most companies sell total replacement value insurance... it's just expensive as hell.
But I get your point.
Just about any auto insurance ad that says "people who switched saved on average $..." I mean, WTF? People would switch to a MORE expensive policy when they have the choice? heck, I'd be more impressed if an insurer said "People came to us even when we were more expensive because you can pick up the phone and actually get some help and a check in a reasonable amount of time, and we aren't going to jerk you around when your car has a ton of damage in an accident. We'll total it, and not give you a hassle. Try getting that from GEICO, Allstate, or Progressive."
