I had a car totaled recently, and the insurance company wanted to pay me out based on a CCC One valuation report. I had looked at ev-cpo.com and had a ballpark idea what my car was worth, and that report was a ridiculous lowball. They listed my car as having no options, so that they could subtract the values of any options that the comparable cars had from my value. They deducted options that were standard equipment (missing Figured Ash Wood Decor -$450), they even deducted some options effectively twice (missing Glass Roof -$900, missing Panoramic Sunroof -$1200).
Luckily I found my original window sticker, to prove what options I had. After several go-arounds, they had all my options included, and the price seemed reasonable. Until the at-fault person's insurance company told me I hit the policy limit, and my insurance took over. Another CCC report was run by my insurance...
And this is where CCC gets even shadier: all of my options were missing again. They know that it's the same car, because there's a note at the bottom of the report indicating that this same VIN had been run last month. After documenting my options (again) the value increased by $8,600. So, in the end it worked out okay, but you sure need to be careful with any numbers coming from CCC.
Luckily I found my original window sticker, to prove what options I had. After several go-arounds, they had all my options included, and the price seemed reasonable. Until the at-fault person's insurance company told me I hit the policy limit, and my insurance took over. Another CCC report was run by my insurance...
And this is where CCC gets even shadier: all of my options were missing again. They know that it's the same car, because there's a note at the bottom of the report indicating that this same VIN had been run last month. After documenting my options (again) the value increased by $8,600. So, in the end it worked out okay, but you sure need to be careful with any numbers coming from CCC.
