How to Read a CCC ONE Total-Loss Valuation Report

CCC ONE is a vehicle valuation platform operated by CCC Intelligent Solutions and used by some of the largest US auto insurers — including State Farm, GEICO, and USAA, among many others.

A complete CCC ONE total-loss report includes: vehicle identification (VIN, year, make, model, trim, mileage, equipment), comparable-vehicle list (typically 4-8 comparables with their adjusted values, but some CCC reports have more), per-comparable adjustments (mileage, condition, options, typical negotiation), base value calculation, and final ACV or adjusted value.

The settlement breakdown that most adjusters share with insureds shows only adjusted value, tax, and the final ACV. The full report — which you have the right to request — shows every line of math.

The four typical adjustment categories are: Mileage, Condition, Equipment, and Typical Negotiation. If your vehicle has a salvage/rebuilt title, there may also be an adjustment for salvage/rebuilt title. Each adjustment per comparable can move the value by hundreds or thousands of dollars.

• Mileage: typically can vary between $0.02-$0.15 per mile difference, depending on many factors applied as a positive or negative adjustment.
• Condition: grade (Poor through Excellent). This is based on the vehicle's condition which can be subjective based on an individual adjuster's opinion. The CCC conditioning guide provides specific parameters and is used in an attempt to make this more objective.
• Equipment: positive credit for options on your vehicle that the comparable lacks; negative deduction for options on the comparable that yours lacks.
• Typical Negotiation: Some estimates put this at ~4-7% reduction from advertised price, applied conditionally based on CCC's methodology.
• Salvage/Rebuilt Title: Insurance carriers may deduct 20 to 40% off of the vehicle's value for a salvage or rebuilt title. Internal Second Appraisal data and experience shows that the high end of that range can oftentimes be unsupported by market comps with salvage titles and isn't always reasonable.

This is why having a free consultation can be worth your time! We review your CCC ONE report line by line and tell you, before you commit to anything, whether the offer reflects fair market value for your vehicle.

Request the full report. Verify each adjustment. Pull your VIN through NHTSA's free decoder and compare options to what CCC credited. Check current dealer listings within 50-100 miles for stronger comparables.

Submit a counter-report that lists CCC's errors line by line with supporting evidence. CCC's own methodology is the leverage point — show their math is wrong on their own terms.