Just got your CCC valuation? Check it before you sign.
The number in your total-loss offer comes from a CCC One Market Valuation Report: a handful of comparable cars and a stack of adjustments. Any of them can be off. Upload a photo or PDF of the report and get a straight read on whether the number holds up.
What to check on the report
Comparable vehicles
The report prices your car from a handful of similar cars for sale or recently sold. If the comparables are wrong, everything after them is wrong.
- Distance: comparables pulled from a cheaper market far from where you live
- Trim: a base model standing in for your higher trim
- Mileage: comparables with far more miles, or a mileage adjustment going the wrong way
- Dates and titles: stale listings, or a rebuilt or salvage title in the mix
Condition adjustments
Many reports rate parts of your car against a “typical” one and take money off for anything rated below it.
- Who rated it, and whether it was judged from photos taken after the crash
- Deductions for wear you can disprove with photos or service records
- New tires, brakes or recent work that should count for you, not against you
The projected sold adjustment
Dealer asking prices are often cut by a “projected sold” adjustment, on the theory that cars sell for less than their sticker.
- How much it takes off each comparable, in dollars
- Whether the report explains the data behind it for your car and market
- Whether cars like yours are actually selling near their asking price right now
Options left out
The report values the car it thinks you had. A missing package or option means every comparable is priced as a lesser car.
- Compare the equipment list line by line with your window sticker or VIN build sheet
- Factory packages, upgraded trims, driver-assist or tech packages
- Covered aftermarket equipment your policy includes
Tax and fees owed
The last page adds tax and fees and subtracts your deductible. In many states some or all of the replacement tax and fees are owed to you.
- Sales tax on the full settlement value at your local rate
- Title and registration fees, where your state expects them to be included
- The deductible and any prior payments, applied once and correctly
What it costs
The check is free. If you want help with the response, the Full Claim Kit is a flat $349 per claim: a flat fee, never a cut of what you recover. If your claim recovers less than $500, the Full Claim Kit is refunded in full (guarantee terms).
If the number holds up, you will hear that too. Some reports are fair, and paying anyone to dispute a fair number is a waste.
Results vary. Not legal advice.
CCC ONE is a trademark of CCC Intelligent Solutions Inc. We are independent and not affiliated with CCC. We are not a law firm and we do not contact your insurer for you.