CCC ONE Market Valuation Report Explained

Key takeaways

The CCC report is the vendor’s opinion of value, based on information your insurer provided. It is a starting point, not a final number.
Your base value is an average of adjusted comparables, so re-add each comparable and recompute the average yourself.
Many of the issues to look for are in the comparables: take prices, one condition deduction on every car, wrong years or trims, and distant or stale listings.
On the summary page, check the tax rate, missing title and registration fees, and the deductible against your policy.

When an insurer that uses CCC totals your car, the offer rests on a CCC ONE Market Valuation Report. Public copies run 15 to 20 pages. The report says it reflects CCC’s opinion of your car’s value “based on information provided to CCC by” your insurer, and adds that CCC “is one source of vehicle valuations.” This guide walks through each section, using public copies from 2016 and 2021. Labels vary a little between versions.

First, get the whole report

Every page has a “Page N of M” footer. If pages are missing, or you only have an offer letter, ask the adjuster in writing for the complete report, with every comparable and every adjustment. Washington requires a copy on request, Florida requires the valuation documents on request, and Connecticut and New York require a detailed copy of the calculation by the time you are paid.

The sections at a glance

Section	Pages (2016 sample)	What to check
Report Summary	1	Tax, fees, deductible, total
Valuation Methodology	2	Straight or weighted average
Vehicle Information	3–5	Trim, engine, mileage, options
Vehicle Condition	6	Deductions to your car
Comparable Vehicles	7–14	Prices, adjustments, year, trim, distance, date
Valuation Notes	15	Manual changes
Supplemental Information	16–20	History records

1. Report Summary

The top of page 1 shows the “Loss Vehicle” (year, make, model, trim and drivetrain in one line), the loss date and the odometer reading. Check the trim and mileage first. A wrong trim means every comparable was chosen and adjusted against the wrong car, and an odometer reading above your actual mileage lowers the value.

The Valuation Summary block is the settlement math. Here it is from the 2021 public report, recomputed:

Line as printed	Amount	What it means
Base Vehicle Value	$15,041.00	Average of the comparables’ adjusted values
Adjusted Vehicle Value	$15,041.00	Base plus adjustments to your car (condition, prior damage, refurbishment, after-factory parts)
Vehicular Tax (6.25%)	+ $940.06	The rate is printed in the label
Value before Deductible	$15,981.06	Adjusted value plus tax and any fees
Deductible*	− $501.00	The asterisk marks an item your insurer entered
Total	$15,480.06	What the report says is payable

Tax. Check the rate for where you live and that it applies to the full adjusted value. Here 6.25% of $15,041 is $940.06, so it adds up. The 2016 sample had no tax line at all.
Fees. Title and registration lines are often missing. A footnote says the total may not be the full settlement because “license and fees” may need to be added.
Deductible. Compare it with your declarations page for the right coverage. If the other driver’s insurer is paying, it should not take a deductible at all.

Whether tax and fees must be added depends on your state. Some require them in every cash settlement, some only once you show you bought a replacement, and in a few, such as Texas, we found no rule requiring them. The total loss sales tax by state page shows every state's rule and its citation.

2. Valuation Methodology

This page is mostly boilerplate, but one sentence matters: whether the Base Vehicle Value is a straight average or a weighted average of the comparables.

Straight average (2016 sample). You can check it exactly. There, 12 comparables total $98,933, which works out to $8,244.42, matching the printed $8,244.00.
Weighted average (2021 report). Weights depend on source, similarity, distance and recency, but none are printed. If the base value is below the simple average, ask for each weight and why. Washington’s amended rule, effective October 18, 2026, requires any weighting to be documented and explained.

3. Vehicle Information

Vehicle Details lists the garaging location, VIN, trim, engine and transmission. Compare it with your VIN decode or window sticker. Comparable distances should be measured from this location. In one public sample, they were measured from a different town.

Vehicle Allowances, in some versions, adjusts your car against a typical one: an odometer allowance (for example “51,416 + 2,210”) and small option amounts, such as +$47 for cruise control in a 2016 report. The summary page also says how your mileage compares with average, for example “38% fewer than average.” If it says fewer but the odometer allowance is negative, quote both lines back to the adjuster.

Vehicle Equipment is the equipment your insurer provided to CCC, marked Standard or Additional. Look for missing packages and dealer-installed accessories, and send proof (window sticker, build sheet, invoice or photos) for each one.

4. Vehicle Condition

This table rates components such as tires, paint, body and seats against a baseline the report names (“Good,” “Private Owner” or “Average Private”), with notes and a dollar Value Impact for each row. Ask for the photos and notes behind any deduction, check that the notes match the rating, and make sure damage from this accident is not counted as pre-loss condition. Washington requires insurers to provide the photos, and California allows no condition deduction unless the documented condition is below average for that year, make and model.

The public copies show $0 on every condition row, yet condition still lowered the value through a flat deduction on every comparable, shown in the next section. The guide to the CCC condition adjustment covers both kinds, with the evidence that answers each.

5. Comparable Vehicles

This is where the base value is built. Each comparable has an identity block (date, VIN, dealer, phone, source, stock number, distance) and a price block. Here are the first three from the 2016 sample, recomputed:

Line as printed	Comp 1	Comp 2	Comp 3
List Price	$9,990	$11,488	$12,498
Take Price	—	—	$11,755
Make/Model/Trim	—	+ $150	− $1,750
Options	—	− $931	− $1,020
Mileage	− $159	− $688	− $626
Condition	− $619	− $619	− $619
Adjusted Comparable Value	$9,212	$9,400	$7,740

Where errors hide in the comparables

Arithmetic. Re-add every comparable. One that does not add up is an error you can point to directly.
Take Price. Comp 3’s math starts from the dealer’s Take Price, not its List Price. The report itself says a lower price “may be obtainable through negotiation,” so this works like a negotiation discount: $743 on Comp 3 before averaging. In California, an insurer may use the asking price or the actual sale price.
One condition deduction on every car. In the 2016 sample, every comparable lost $619 (4.6% to 7.2% of list price). In the 2021 report, every one lost $1,976 (11.3% to 12.4%). One figure across different cars suggests a formula, not an inspection. Ask what shows each comparable was in better shape than yours. Washington requires photos and documentation on request, and California requires adjustments to be measurable, itemized and documented.
Mileage. A comparable with fewer miles than your car should be adjusted down, and one with more miles up. Per-mile rates in the public copies were about $0.03 to $0.06. Check signs on same-year comparables, since a different model year appears to be measured against its own typical mileage.
Year and trim. An older model year or a different trim or drivetrain is a weaker match. Trim adjustments in the 2016 sample ran from +$150 to −$1,750, with no explanation.
Distance and date. Washington caps the search area at 150 miles, and Georgia’s local market is 50 miles from the county seat, expandable to 100. California requires comparables available within 90 days of the final offer, and Washington uses data from 90 days before or after the loss.
Verifiability. You should be able to call the dealer or look up the VIN. California and Washington require identifying details, such as the VIN or the seller’s contact information.
Comparables marked (*). In the 2021 report, these were shown “for informational purposes” and not used. If one is worth more than your base value, ask why it was left out.

6. Valuation Notes

A page of timestamped lines. Look for “PVADJ CHANGE REQUESTED BY” followed by a name: someone at the insurer asked for a change, and the report does not say what. Ask what changed and by how much, and request the valuation from before the change. The page may also name your state’s valuation rule.

7. Supplemental Information

The last pages hold history records: Vehicle Market History, an Experian AutoCheck report and NHTSA recalls. If a history line shows a later date with lower mileage than the report’s odometer, the odometer may be wrong. If the insurer deducted for prior damage, ask it to show the damage existed before this accident and was never repaired.

Mitchell and Audatex reports

Mitchell WorkCenter Total Loss prints a “Vehicle Valuation Report” and a Settlement Summary. Comparables can carry a “Projected Sold Adjustment” for expected haggling. A 2025 federal appeals opinion says Mitchell skips it for no-haggle dealers and that it lowers base value by 6.7% on average. In Pennsylvania, the report can average comparables with a J.D. Power guide value.
Audatex Autosource applies a “typical negotiation” adjustment and a condition adjustment. In one case, four minivans advertised at $15,800 to $18,803 were each cut by $790 to $940.

The CCC copies reviewed here show neither line. The closest CCC equivalent is the Take Price. Courts have split on these deductions, so argue from your own report’s numbers rather than claiming they are illegal everywhere. In Washington, the Ninth Circuit read the state’s rules as barring negotiation deductions.

What to do with what you find

Put each issue in a written reply, with your evidence and local listings, and ask for a corrected valuation. The guide to disputing a total loss valuation covers the letter and what comes after it. Our free total-loss check compares the numbers you enter from your report with your state’s rules and puts a dollar range on each issue it finds. If your car was repaired rather than totaled, see the diminished value calculator.

Watch the clock. In California, New York and Washington you have 35 days, and in New Jersey and Illinois 30 days from receiving the claim draft, to tell the insurer in writing that you cannot buy a comparable car for the amount paid. The insurer must then reopen the claim. Each state counts from a different event and has its own conditions, so check your state page.

When to get a professional

This guide and our tools are self-help. We are not a law firm, a public adjuster or an appraiser, and we never contact your insurer. Consider outside help when:

The gap is large and the insurer will not move. If your policy has an appraisal clause, each side hires an appraiser and an umpire settles disagreements. Weigh the appraiser’s fee against the amount in dispute, and read your policy’s terms.
The car is unusual. Classic, modified or high-value cars may have few true comparables, and a written appraisal can carry more weight than your own research.
Someone was hurt, fault is disputed, or a deadline is close. Talk to a licensed attorney in your state. Your state page shows the time limit for property damage claims.
The insurer will not explain its numbers or share the report. You can file a complaint with your state’s Department of Insurance, linked from your state page.

Total loss rules in your state

Thresholds, tax rules and deadlines differ by state. Compare every state on the total loss threshold by state, total loss sales tax by state and total loss claim deadlines by state pages, or start with one of the ten most populous states:

Questions

How do I dispute a CCC valuation?

1) Ask the adjuster in writing for the complete CCC ONE Market Valuation Report. 2) Check your car’s trim, options and mileage. 3) Re-add each comparable, and look for Take Prices, a condition deduction on every comparable, older model years, other trims and distant or stale listings. 4) Check the tax rate, title and registration fees and the deductible on the summary page. 5) Send a written rebuttal with corrected numbers, your own listings and a reply date. If the insurer will not move, use your policy’s appraisal clause or file a complaint with your state Department of Insurance.

Is the CCC value final?

No. It is an opinion of value prepared for your insurer, and the report itself says other valuation sources exist. You can reject the offer in writing, ask for the basis of every deduction, send your own evidence, and use your policy’s appraisal clause if it has one.

Does a CCC report use a Projected Sold Adjustment?

Not in the CCC reports reviewed for this guide. That label appears on Mitchell reports, and Audatex Autosource reports use a “typical negotiation” adjustment. On a CCC report, the closest equivalent is a Take Price on an inspected dealer comparable.

My Vehicle Condition page shows $0. Why does the value still look low?

Condition can also be applied to each comparable. A condition deduction on every comparable pulls the average down even when your own car shows no deduction. Check the Condition line in each comparable’s price block.

How do I get the full report?

Ask the adjuster in writing for a complete copy, including every comparable and every adjustment. Some states, including Washington, Florida, Connecticut and New York, require insurers to provide the report or a detailed copy of the calculation, either on request or by the time of payment.

Sources

General information, not legal advice. Rules differ by state and change over time. How we research and check our numbers is on the methodology page.