I had a two year old Audi A4 totaled. I expected that I'd get about $24K for it (this was a couple of years ago). My insurer offered $19K. I asked to look at the comps, and sure enough, most of the comps were between $22K and $27K. Except one, from a shitty little dealer 150 miles away for $12,999. There was obviously something up, salvage title, or some other issue. But they shrugged. "Doesn't say so on the offer, so it's a valid comp".

My two cars now have new car replacement coverage for 5 years that also wraps in gap coverage.