I'm not sure that's doable. Up here with ICBC (crown corporation insurer, semi-connected to the provincial goverment, and by far the main auto insurer), for the first few years of new-car ownership, you can purchase optional insurance that guarantees full replacement compensation if they "total" the car. But yeah, it's only the first few years, and it's definitely an extra. Bottom line, when bad things happen, a little pain is inevitable, everybody takes a bit of a hit. If that wasn't the case, you'd have runaway inflation?
