Federal appeals court opinions describe USAA calculating a total-loss vehicle’s actual cash value with the CCC ONE Market Valuation Report. Here is what to check in that report — and a free check of yours in about a minute.
In USAA v. Sampson (5th Cir. 2023) the court wrote that “USAA calculates ACV using the CCC One Market Valuation Report,” and in Mack v. USAA Casualty (11th Cir. 2021) that USAA “uses a third-party service, the CCC ONE valuation system.” See how a CCC ONE valuation reads.
Insurers can change vendors and report versions; the first page of the report you received names the vendor.
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 →Your free check will appear here — usually within a minute.
Federal appeals court opinions (2021, 2023) describe USAA using the CCC ONE Market Valuation Report. The first page of your own report names the vendor that produced it.
No. FairTotalLoss is independent and is not affiliated with USAA or with CCC ONE. We read the report you upload; we never contact your insurer.
The comparable vehicles and their adjustments, mileage, condition deductions, the base value, taxes and fees, and your vehicle details against a VIN decode.
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.