olblu is correct - agreed value insurance:
"An agreement made between the insurer and insured at policy inception confirming that both parties concur that the limit of insurance set forth in the schedule of property is that item's value, and that agreed upon value is the amount that will be paid by the insurer in the event of a total loss."
you have no "options" to do with repairing a total loss - and it has nothing to do with the difference between liability [the accident is your fault and the other party gets compensated] and collision ["own damage" whether or not anyone else is involved] or comprehensive [any damage other than a collision], both of which are usually subject to a deductable amount - it's a "subheading" of comprehensive and applies only if the vehicle is a total loss
Bill
