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your brand-new vehicle is a huge investment now you can protect that investment like never before everyone knows that a vehicle when written off is subject to a depreciated settlement based on the vehicles market value at the time of the loss because vehicles depreciate rapidly this can put you as the vehicle owner in a negative situation protect yourself with optiom Prime brought to you by cornerstone insurance if your new vehicle is a total loss depending on the value of the vehicle optiom prime will pay up to sixty thousand dollars over your basic settlement towards the cost of a brand new vehicle of equivalent model this coverage is available for up to seven years giving you unheard of protection for the investment in your vehicle lets look at an example Bob bought a brand new vehicle for thirty thousand dollars and bought optiom prime protection from Cornerstone insurance seven years later Bobs vehicle is in a collision and written off Bobs insurance company offers him nine tho