CCC ONE

Also known as: CCC, CCC valuation

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. It generates valuation reports that list comparable vehicles along with adjustments applied to each before rendering a final value.

More detail

CCC's adjustments are based on a published methodology, but the report's summary page often does not provide the underlying math.
The most-disputed CCC adjustments are condition (subjective), mileage (formulaic), options (which may be OEM or Aftermarket) that are not accounted for, and 'typical negotiation discount' (roughly 4-7% off advertised prices).
You have the right to request the full CCC report, and it is a good idea to do so 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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Your consultation and offer review are free. If we agree to be your appraiser, our service is $199 for the appraisal research plus up to 2 hours of appointed-appraiser work at $149/hour.

Free appraisal consultation — and you pay nothing unless we get you at least $1,000 more. Our average is $3,260 more.No upfront payment — we pre-authorize your card only after reviewing your consultation and agreeing to take the engagement.

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The minimum guarantee is a full service-fee waiver when an accepted engagement does not deliver the minimum additional value over the insurer's initial offer. Results vary. See terms.