Full Replacement Value Car Insurance. Liberty mutual — better car replacement:. Unlike increased replacement cost, there is no specific limit for the additional coverage.

Replacement cost value (rcv), on the other hand, pays the full value of replacement. You still have $20,000 left to pay on your loan when you're in an accident and total your car. So, if the roof is only worth $2,500 but it will cost $20,000 to replace it, the.