[cobrap51d]

I was just talking to my account representative at Century 21. According to her the contract is based on the fair market value. So the first year the car will be worth the initial contract value. Then depreciation is applied. So, I contacted material damage, these people are the ones that will do the research to determine the value of the vehicle. Keep in mind we are talking about a complete loss of the vehicle. According to this department they will go out and look at the market and replace your car based on the market. Since my car is a superformance I believe they will be able to compare superformance cars easily. When looking at this contract here's what I see:

Benefits:
1.) if the market is good I get a good price. if for some reason the market goes up I get more than what I paid for.
2.) The first year I would receive what I paid for the vehicle. This will give me more time to make a decision I'm comfortable with.

Liabilities:
1.) If similar cars are going for less than what I paid I wont' get what I paid for my car.
2.) It's very subjective.

What have I missed? Should I just go with American Hobbyist since it is agreed upon value.