<human>: I live in NC and received a quote from you for a 1982 Datsun Maxima
4dr sedan with a 2800 cc diesel engine.  The car is pretty beat up I
paid $700 for 2 of them, that said they are extremely hard to come by
and get fantastic mileage (32-45mpg).  Although these cars to someone else would be
worth nothing more than what the scrap yard would give them for the
metal. I feel because of the rarity and great gas mileage I
would need much more than "what their worth" to replace them.  If I
were to put a $15,000 policy on them and someone ran into me would
they be required to pay what I have them insured for?  Also if I had a
$15,000 policy on the vehicle and totaled it myself, would the
insurance pay the $15,000 replacement?  Or any ideas on how get enough money to replace them if someone were to hit my car.  This concerns me the most.  If it matters, I've been driving cars, trucks, vans and large box trucks for over 12 yrs and never had an accident of my own fault or moving violation (knock on wood).

Can you summarize the given text in a few sentences?
<bot>: How can I get the equivalent value out of my car if someone totals it, when the "man" says my car is basically worthless?