Total Loss and the CCC Report

First off, I just want to say that we get a lot of calls from irate folks who think we are CCC because this article pops up high in searches for CCC. We have lots of funny interactions with accident victims where the conversation starts out with a full-on blow out argument! lol

Let’s be clear – we are not CCC! We are appraisers who help consumers when they get a low valuation from companies like CCC (there are others as well). Just wanted to get that out there to set the record straight since so many folks are finding this article useful (and to prevent screaming matches and the therapy sessions that then have to follow :)).

If your vehicle has been deemed a total loss, many insurance companies will rely on a company called CCC (that is not US lol) to provide a market evaluation on the value of your vehicle to act as a settlement tool.  CCC (Certified Collateral Corporation) Information Services Inc. is a company that provides vehicle value reports to insurance companies.  They utilize their own methods and develop a value for your vehicle that is supposed to be reflective of the actual cost of a replacement vehicle in the market where your vehicle would have been sold, had it not been totaled.

What is a CCC Report? A Quick Overview

Most CCC reports begin with a basic claim header area where the information about the vehicle owner, insurance claim, and vehicle are located.  After the who’s and what’s are listed out, there is a summary section where the report reflects the final dollar value assigned to your vehicle.

Can you trust the CCC to reflect an accurate value?

That question has been posed at least a couple of times in class action lawsuits that ended up with CCC paying millions to settle (with no admission of liability, mind you).

Outside of waiting on the next class action or filing a suit yourself, what can you do if you disagree with CCC’s valuation?  Our suggestion is to fight, fight, fight.  Request strict proof of the CCC numbers, and present alternative numbers that support your position.

Let’s look at some common places you might be able to find some room for movement.

First, there is the condition assessment details section where there will be a brief comparison between a “typical” vehicle, and the subject vehicle.  The comparison will impact the value in a manner that is not completely explained anywhere, but nevertheless results in a dollar value assigned to the increase or decrease in value that the condition of the subject vehicle merits in the eyes of whoever inspected the vehicle (sometimes hard to pinpoint).  The adjustments in this area of the CCC vary widely with different vehicle conditions & descriptions.  If any one adjustment seems unreasonable, be nice and ask the adjuster how they arrived at the deduction or addition amount and do a little research of your own before you challenge an adjustment.  Ask to speak with the appraiser that physically inspected your vehicle.

Next, there is the market comparable vehicles summary.  This part of the CCC report is clear – they list out all the prices of vehicles that they found, then they adjust them to make them “comparable”.  The adjusted value for each vehicle is averaged out to come up with the market value of your vehicle.  In this section there are various adjustments which you could question.  There is sometimes a “base” adjustment that is explained as a “take” price vs. “list” price adjustment.  This adjustment has been the focus of at least one of the suits against CCC and I’ve never been able to get an adjuster to give me a good explanation of how the adjustment is calculated.  Outside of the baseline adjustment, there are mileage and option adjustments.  These adjustments can vary widely based on the year, make, model, and location of the vehicle, so pay close attention to these numbers and ask for explanations on them as well.

So, what is a CCC report?

It’s simply a market valuation that is used by insurance company’s to help adjusters get claims settled.  You don’t have to accept the amount that CCC says your vehicle is worth.  In my experience, CCC reports seem to be widely variable.  Sometimes it seems the reports are pretty accurate, while other times it seems clear that the reports are severely out of line with real market values.  

Getting Real About CCC

The bottom line is that if you get stuck dealing with a CCC report and the value seems unreasonable, there are a lot of areas on their report where you could question the accuracy of their data and calculations so FIGHT!  

If you can’t get the adjuster to negotiate, ask for a supervisor and move up the chain of command.  

If that doesn’t work, hire a professional.  

Unfortunately, the amount in dispute with most total loss claims is not enough for an attorney to get involved and insurance companies know that.  They will sometimes train adjusters to stick with the CCC number no matter what.  It can be difficult to persuade a greenhorn or brainwashed adjuster that the CCC report is not the gold standard for vehicle values that they may have been taught that it is.  

When an adjuster really thinks for themselves, they must realize that CCC ONLY markets to insurance companies and works exclusively for the insurance industry.  

Do you think that CCC will value vehicles the way their customers (insurance companies) want?  The biggest sales pitch for CCC is that they can save the insurance company money on total loss settlements.  

That doesn’t sound like a good plan for getting accurate market values to me.  

Want our help with your case?

Fill out the form below if you want an expert to talk to about your total loss – we’ll tell you if you need our help, no sugar coating, and it’s totally FREE to find out!

* NOTE: You will need to have your own full coverage insurance to get the best help, even if the accident was someone else’s fault. This gives you the option to invoke the appraisal clause if needed.

Find out more about the appraisal clause here!


  • The truck was well maintained although the inside was dirty. I am a contractor it is unavoidable. CCC One says it takes $1528 to make all comparables dealer ready. They say the missing radio is worth $249 but can be found used for under $40 while new tires that cost over $700 are only worth $ 255. They say a $1855 Topper is only worth $263. I found one comparable in my area with a Topper with a dirty inside like mine $23900 asking price. I have went around and around with them. I see why there have been so many lawsuits. I might start one myself.

  • NADA value is $26,900.00 however Travelers recorded it at $26,250.00
    NADA Base Value was $23,725.00 however Travelers recorded it at $23,390.00
    They listed the Vehicle Valuation Amount (average of NADA $26,250 and CCC value $23,390) at $24,820.00. Minus $53.00 condition adjustment for an Adjusted Vehicle Value at $24,767.00 (before sales tax) or $26,339.70 including tax.
    The CCC value of $23,390 is completely wrong as all my internet searches for similar cars ranged from $26k to $30k for COP cars
    NADA added $1,625.00 for a Certified Pre-Owned and because I will only purchase a CPO car the NADA should be $28,525.00.
    The average internet search price is $28k which aligns with NADA so I will not accept anything less than a $28,525.00 Adjusted Vehicle Value (before sales tax) or $30,336.34.

  • Geico, said the salvage value is $2,000 from ccc. if i want to buy the car. I think they are to high, is that price negotiable? I would like to offer they $1,000. The car was damaged by hail on all sides,
    Thanks, Bill

    • Bill,
      Sorry for the late response but we see this a lot! You can certainly negotiate that price. Give us a call if you are still fighting and we can review the case to see how we can help! 214-227-2154 and press 1!

  • My 2014 Suzuki RMZ 450 was stolen last friday. Geico claims adjuster said they will only give me cash value price for it. When i took the policy out, i insured the bike for $3000 over the value. Now the claims adjuster is saying i need receipts for all the $3000 race equipment on the bike. However, they took my premiums for a $7000 insurance policy. I called Geico customer service and they verified I insured the bike for $3000 over the present value which was $4295 according to NADA & KBB.

    • Steve,
      First off, we are sorry to hear about your bike! This kind of thing happens a lot when dealing with a total loss and I am sure we can shed some light on it and answer your questions. You can call our office at 214-227-2154 and press 1 and we would be happy to discuss!

  • Vehicle deemed “dealer ready” by insurance carrier for total loss vehicle. Hit/run. What does that mean in terms of the ACV? Vehicle 10 yrs old, great condition inside/out, minimal wear/tear and 68K in mileage. “Vehicle condition” was not reflected on CCC report and insurance company hasn’t said why it isn’t listed with the other details. Asked if there were “levels” of condition to consider when formulating the ACV per CCC One, received an ambiguous response…..”Idk. We’ve always just used dealer ready”.

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