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 the largest US auto insurers — including GEICO, Allstate, USAA, Nationwide, and many regional carriers. CCC's market share among total-loss settlements is roughly 50%.

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), per-comparable adjustments (mileage, condition, options, typical negotiation), base value calculation, and final ACV.

The summary page most adjusters share with claimants shows only the final ACV. The full report — which you have the right to request — shows every line of math.

The four adjustment categories are: Mileage, Condition, Equipment, and Typical Negotiation. Each adjustment per comparable can move the value by hundreds or thousands of dollars.

• Mileage: typically $0.05-$0.15 per mile difference, applied as a positive or negative adjustment.
• Condition: subjective grade (Poor through Excellent) with corresponding multiplier. Often understated.
• Equipment: positive credit for options on your vehicle that the comparable lacks; negative deduction for options on the comparable that yours lacks.
• Typical Negotiation: ~7% reduction from advertised price, applied conditionally based on CCC's methodology.

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.