I was on the phone with USAA for a few hours this morning... they won't pay back anything over total cost of vehicle.. the insurance I have now is a stated value insurance.. i.e., I insured my car for 37k. I get 37k no matter what, as long as I keep paying the premium. No depreciation. I wanted something similar with USAA because they are generally cheaper than what I have now (Chubb), but they won't do a stated value price.
Especially considering I am about to invest an additional 6+k into my car, I want to insure that crap in case of total loss....
That is when it's the biggest issue... total loss from wreck, or stolen..