CCC ONE
Also known as: CCC, CCC valuation
CCC ONE is a vehicle valuation platform operated by CCC Intelligent Solutions and used by most major US auto insurers (including GEICO, Allstate, USAA, and Nationwide) to generate total-loss settlement offers. The CCC report lists comparable vehicles and the adjustments applied to each before averaging into a final value.
More detail
- CCC's adjustments are based on a published methodology, but the report's summary page often hides the underlying math.
- The most-disputed CCC adjustments are condition (subjective), mileage (formulaic), and 'typical negotiation discount' (~7% off advertised prices).
- You have the right to request the full CCC report, including the un-summarized comparable detail, before accepting any offer.
Related terms
Mitchell WorkCenter
Mitchell WorkCenter Total Loss is a valuation platform by Mitchell International, used by carriers including Progressive, Liberty Mutual, Auto-Owners, and Erie. The Mitchell report uses a different table layout than CCC ONE but produces the same kind of comparable-and-adjustments output.
Audatex Autosource
Audatex Autosource (a Solera product) is a vehicle valuation platform used by carriers including State Farm, Farmers, and Travelers. Its report format emphasizes a single 'market value' result with collapsed adjustment detail — pulling apart the adjustments often reveals understated condition credits and over-aggressive mileage adjustments.
Comparable Sales (Comps)
Comparable Sales — or 'comps' — are recent sale prices of similar vehicles used to determine the fair market value of your totaled car. Insurance valuation tools build their offer by averaging adjusted prices of comps from your local market.
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