A CCC ONE Market Valuation Report sets a total-loss value in four steps: a base value from comparable vehicles, condition adjustments to your car, taxes and fees, then the deductible. Here is how to read each section — and a free check that reads yours for you.
The first page carries the numbers that matter: Base Vehicle Value (from the comparables) → Condition Adjustment (your vehicle’s condition relative to a typical one) → Adjusted Vehicle Value → taxes and fees → deductible → Total. Every later page supports one of these lines.
Some report versions add lines — for example a value from another guide averaged with the CCC value, or fees retained by the insurer shown on a separate page. Check that each line on the summary is explained somewhere in the report.
This section lists trim, engine, and the options and packages the report assumes your vehicle had. Missing equipment is a common reason a valuation comes in low: compare the list with your window sticker, build sheet or photos.
CCC rates components (for example interior, exterior paint, tires, mechanical) and shows the dollar impact of each rating on your vehicle’s value. Ratings below average reduce the value; you can ask for the inspection notes or photos behind them and provide your own photos and service records.
The first comparables are shown in full: source, distance, mileage, price, and adjustments for mileage, equipment or package, condition, and a price reduction toward an expected sale price. Additional comparables are summarized with only a price and an adjusted value, without itemized adjustments.
Check each comparable’s year, trim, mileage and distance against your vehicle, and whether each comparable’s adjustments add up to its adjusted value.
Upload the valuation report your insurer sent you. In about a minute you see which items may not add up — free. The full review report with a draft letter you edit and send yourself is $79.
Check my report →It is a report produced with CCC’s valuation software that many insurers use to set the actual cash value of a total-loss vehicle. It lists your vehicle’s details and equipment, condition ratings, comparable vehicles with adjustments, and the resulting values.
CCC reports derive the base value from the comparable vehicles using a method that is not simply the average of the adjusted values shown. You can ask the insurer to explain how the base value was calculated from the comparables.
Ask your insurer for the complete report including every comparable vehicle and each adjustment. Some states have rules on providing valuation details; New York’s regulation 11 NYCRR 216.7 is one example.
FairTotalLoss is a self-help information tool. We are not a public adjuster, appraiser, or law firm; we do not represent you, contact your insurer, or negotiate your claim, and we do not advise on insurance coverage. Our reports describe what your valuation report shows and questions you may choose to ask; they are not an appraisal and not a substitute for advice from a licensed public adjuster or attorney. Fixed price, unrelated to any settlement outcome.