CCC report formats, fields, and carrier configurations can change. The examples below are based on CCC published sample Market Valuation Report and training materials and should be used as a review guide, not as a statement that every CCC report will look identical. [1] [2]
1. Start With the Report Summary
CCC's published sample report includes a report summary with claim information, the loss vehicle, odometer, valuation summary, base vehicle value, condition adjustment, adjusted vehicle value, taxes where applicable, and a note that the report total may not be the same as the final settlement. [1]
2. Confirm the Loss Vehicle
- VIN;
- year, make, model, and body style;
- trim/configuration;
- engine and drivetrain;
- odometer reading;
- factory options and packages;
- location or ZIP information where shown;
- condition information where shown.
CCC's current valuation-request job aid identifies core vehicle fields such as VIN, year, make, model, body style, engine, odometer, and transmission as required inputs for submitting a valuation request in CCC ONE Estimating. [2]
3. Review the Comparable Vehicles
CCC's sample report includes a Comparable Vehicles section that compares loss-vehicle equipment with market vehicles and displays prices, mileage, locations, and adjustments. [1] See How Insurance Companies Use Comparable Vehicles for a broader review of comps.
- year/model/trim;
- mileage;
- options and equipment;
- dealer/source information where listed;
- distance/location where listed;
- list or take price where shown;
- whether the vehicle appears genuinely comparable to yours.
4. Understand List Price and Take Price
CCC reports may display a List Price and, for some comparables, a Take Price. In published CCC report examples, List Price refers to the vehicle's listed asking price, while Take Price can reflect an amount identified through dealer contact. Not every report or comparable will display both. [1]
5. Review Options, Mileage, and Condition Adjustments
CCC published report examples show adjustments for equipment/options, mileage, and condition before presenting an adjusted comparable value. Review whether your vehicle's options and odometer are accurate and whether the condition information is supported by the record. [1]
6. Look for the Adjusted Comparable Value
The adjusted comparable value is important because it shows how the starting comparable price changed after the report accounted for specified differences. Review the adjustment chain rather than focusing only on the comparable's advertised price. [1]
7. Review the Vehicle Condition Section
CCC's sample report includes a Vehicle Condition section. If the report describes your vehicle as having wear, damage, or missing items that you dispute, preserve photographs, maintenance records, and other documentation that supports your position. [1]
8. Review Refurbishments and Other Reported Attributes
CCC's valuation-request training materials show fields for condition ratings, refurbishments, and other reported vehicle attributes. Not every recent repair or maintenance expense increases market value dollar-for-dollar, but the report should begin with accurate vehicle data. [2]
9. Separate the Valuation From the Final Settlement
The vehicle value shown in the report and the final settlement can differ because deductibles, taxes, fees, salvage retention, and other items may be handled separately depending on state law, policy terms, and claim circumstances. See actual cash value and pre-loss value for the broader valuation concepts.
CCC Report Review Checklist
- Correct VIN, year, model, trim, and body style?
- Correct mileage?
- Important factory options/packages included?
- Condition descriptions accurate?
- Comparable vehicles reasonably similar?
- Comparable locations and dates reasonable?
- Options adjustments understandable?
- Mileage adjustments based on correct data?
- Condition adjustments supported?
- Can you trace the report from comparable prices to adjusted comparable values and then to the valuation summary?
What If You Find an Error?
Document the error and send the insurer the correct information. Ask for the valuation to be reviewed or rerun where appropriate. Keep the dispute focused on specific data rather than a generalized statement that the report is unfair. Use How to Dispute a Total Loss Valuation for the written response process.
NAIC consumer guidance recommends asking for written explanations when you disagree with a settlement decision. [3]
Need a Second Look at the Number?
Compare the insurer's total-loss offer with vehicle-specific market information and identify the areas worth reviewing.
Check My Total Loss OfferFrequently Asked Questions
Is CCC the insurance company?
No. CCC Intelligent Solutions provides valuation and claims technology used by insurers and other industry participants. The insurer handles the claim and communicates the settlement position.
Does every CCC report use the same format?
No. Report format, fields, data, and carrier configuration can vary. Use the specific report you received as the controlling document for your review.
Can I challenge a CCC comparable?
You can raise concerns with the insurer and provide evidence explaining why a comparable is not a good match or why other market evidence is more relevant.
Does a CCC report determine what I legally must accept?
A valuation report supports the insurer's settlement position, but rights and dispute options depend on the policy, claim type, state law, and facts.
About This Content
Published by Value Pilot
Last updated: October 12, 2026
Value Pilot publishes educational information to help vehicle owners understand vehicle valuation and insurance claim documentation. Content is based on publicly available regulatory, legal, and industry sources and is reviewed periodically for accuracy. Insurance requirements vary by state, policy, claim type, and circumstances. Value Pilot does not provide legal advice, and estimates or analyses do not guarantee a particular insurance settlement or claim outcome.