As Far As Compensation Is Concerned, What’s The Best Car Insurance Company There Is (within Usa) ?

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A co-worker of mine wreaked his car, and he was told by his insurance that they will pay him the amount equivalent to the car’s total wreaked value (in other words, scrap value). THIS SUCKS CO’Z BOTH MY CARS (one brand new) ARE UNDER THE SAME INSURANCE COMPANY! I need to switch insurance quick!
I need to find one that will pay for the car’s actual book value in case it gets stolen or wreaked… NOT resale value, NOT trade-in value, and most especially NOT total wreaked value.
(Only well educated and very credible answers please)

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