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#4332017 - 02/17/17 01:12 PM Total loss info and ACV (actual cash value)
turtlevette Offline

Registered: 12/24/13
Posts: 3291
Loc: Massachusetts
How many have had their car totaled and got a CCC actual cash value report.

I'm curious how many comparable cars were listed.

Nothing about this CCC report is transparent. It's a secrete service that only insurance companies can access.

#4332051 - 02/17/17 01:35 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
Linctex Offline

Registered: 12/31/16
Posts: 988
Loc: Waco, TX
When a kid pulled out in front of my classic motorcycle, the insurance company wanted to only pay like, $250 for it.

I had to take recent photos of it to three different motorcycle dealerships, and have someone sign an "affidavit of fair appraisal value" in order to get a (barely) fair payment for it. I then did buy it back from them for $75.

#4332082 - 02/17/17 02:16 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
SirTanon Offline

Registered: 06/23/14
Posts: 1400
Loc: Phoenix, Arizona - USA
Years ago, when my Taurus was totaled, the insurance company hit me with a very under-valued ACV.. I ended up turning it around on them and listing EVERYTHING I had done to the car over the past 12 months - New tire, replaced A/C compressor and evaporator, etc.. they tacked on something like 60-80% of the cost of all that work to the payout and arrived at something more reasonable. I want to say it resulted in something like another $500 payout.

I then bought the car back from them for about $185, cleaned it up some, and sold it for $1100 to a guy who took it down to Mexico.
2010 Ford Fusion SE - 2.5 liter/6F35 Trans - 232,000mi
2014 Nissan Altima SL - 2.5 liter/CVT - 40,500mi

#4332142 - 02/17/17 03:15 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
SatinSilver Offline

Registered: 01/24/08
Posts: 7116
Loc: Ohio
Is this about the Trans Am that was damaged last April 2016? crzy

2012 Toyota Camry 65k miles- PP 0w20, oem filter (TGMO all prior)
2005 Toyota Matrix 117k miles- 3 qts. Havoline 10w30 + 1 qt PUP 5w20, Fram TG.

#4332143 - 02/17/17 03:15 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
Rock_Hudstone Offline

Registered: 11/13/07
Posts: 1280
Loc: New Jersey
You can haggle with the ins cos over market value to point.

However, you need to have some of your own comps to back it up. That means going online and finding closely comparable models for sale in you area. Also mentioned any value added items your car might have such as a new set of tires. Sales tax and fees, if applicable, should also be included in the negotiated price.

#4332163 - 02/17/17 03:33 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
DerbyDave Offline

Registered: 10/27/15
Posts: 153
Loc: KS
The insurance company can say whatever they want and produce all sorts of fancy confidential reports blah blah blah. but if I can't take the check and buy the same car with the same miles in the same condition with the same options at RETAIL not Craigslist or private party then the offer is no good. The point of insurance is to cover a loss and get you to same place you were pre accident. You may have to find your own comps though because the insurance company is not going to look real hard to find true comparables. They usually go off what they have been able to settle similar cases and start at the bottom.
1997 Ford Taurus - QSAD 5W-30, Fram OC
2007 Honda Ridgeline - QSAD 5W-20, Fram OC
2003 Suzuki GZ250 - PYB 10W-40
1975 Honda CB750 - Restoration Project

#4332215 - 02/17/17 04:49 PM Re: Total loss info and ACV (actual cash value) [Re: SatinSilver]
turtlevette Offline

Registered: 12/24/13
Posts: 3291
Loc: Massachusetts
Originally Posted By: SatinSilver
Is this about the Trans Am that was damaged last April 2016? crzy

Yes, This could drag out for another year. And the injury side a few more after that.

The CCC report that they prepared only had 2 comparables. A private owner in OK 1200 mi away and a small used dealer in PA 400 mi away. I've had no problem finding dozens of comps and actual special edition cars at that. The CCC program doesn't work correctly on old cars. It's not like they're 20% off they're 400% off.

Most examples of the CCC report have 12 comparable cars. That's what I'm trying to get a feel for.

#4332356 - 02/17/17 07:28 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
Johnny2Bad Offline

Registered: 05/20/13
Posts: 1122
Loc: Saskatchewan, Canada
Here you can demand they buy you an equivalent vehicle. That means the same or fewer miles and similar condition. If they can't find one, you can use internet serches etc of preious sales to determine the cash value.

You get what effort you put into it. Insurance companies are extremely experienced at this, they have spent millions on consumer psychology studies and training to their adjusters. You have to play hardball or they will just rape you. There is no such thing as too little evidence to support your position and there is no such thing as un-usuable evidence. A newspaper classified ad is useful. The key is don't expect one clipping; it's just like a lawsuit (in some respects, it is a lawsuit but not in court). ** Preponderance of Evidence ** ... a legal term for swamping them.

What I said first about "here you can demand they ..." is important. Keyword: Demand. If you just roll over, they will gladly rob you blind. They expect some clients will fight harder than others and they budget for those larger payouts. But they are happy with the majority who roll over and they pocket the cash themselves.

If the vehicle is important to you value-wise, get Agreed Value insurance. Then there is no argument. The value has to be supported by an appraisal, but the number is etched in stone.
'57 FL Straight 50 wt
'90 Miata 1.8L w/Rotrex Supercharger [Mobil1 0W-40]
'96 Ram 1500 [3.7L Mobil1 0W-20 / 1L 15W-50]
'01 PT Cruiser [Mobil1 0W-40]

#4332367 - 02/17/17 07:42 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
DuckRyder Offline

Registered: 10/20/05
Posts: 3380
Loc: Atlanta
It isnít unusual for a market valuation on a speciality vehicle to have one or two comparables, though admittedly I havenít seen a CCC evaluation in quite sometime...

CCC ( is an independent company that provides the reports, you should be able to get a copy of it.

Your best bet was to show why the comparables were not comparable but I think if you are in litigation that ship has likely sailed.

Well that and have a collector car policy with agreed value on it on your car if you thought it was a high value car...

Edited by DuckRyder (02/17/17 07:44 PM)
  • 2007 Toyota Prius Touring
  • 2005 Honda Civic Sedan
  • 1972 Ford F100
  • 2012 Volkswagen Jetta TDi

#4332368 - 02/17/17 07:42 PM Re: Total loss info and ACV (actual cash value) [Re: Johnny2Bad]
turtlevette Offline

Registered: 12/24/13
Posts: 3291
Loc: Massachusetts
The whole auto body repair industry is in tough shape because of insurance companies. They now have preferred shops that do things very cheaply. Legally, you can have your car repaired anywhere you want, but insurance may balk at their rates. You get left holding the bag for the difference.

The total loss thing underpays just about everyone with this rip off CCC computer program.

I'm playing as tough as I possibly can. Filed complaint against adjuster, filed lawsuit, and will be filing complaint against insurance company with the Dept of insurance. I've got a whole stack of comps that support un-totaling the car. And I'm going to get an appraisal even though I'll have to pay $200. I'll ask the judge to make insurance pay for it.

#4332386 - 02/17/17 07:59 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
Rand Offline

Registered: 08/20/03
Posts: 11563
Loc: NE,Ohio
CCC is a company that claims to be independent that the insurance companies use to screw you.

How independent can they be if they only work for insurance companies???

They tried every dirty trick in the book to try and low ball me with terrible CCC "comparable reports" that weren't even using comparable vehicles to mine.
2017 Jeep Cherokee Trailhawk V6

#4332484 - 02/17/17 10:07 PM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
69GTX Offline

Registered: 09/23/15
Posts: 2719
Loc: Connecticut
I've had a number of vehicles totaled....unfortunately. And same insurance company over 40 years. In all but one case their initial settlement was very fair or even more than I expected. In two cases, they offered as much or more than I had paid for the vehicles. The one time we argued for a month, we finally settled on an extra $200 which covered the brand new tires on the car. Never heard of CCC before today.

2002 Lincoln Cont 4.6L 74K /QSUD 5w30/FL820s
1999 Camaro SS M6 /18K /Mobil 1 0w40 /Fram UG /GM MTL-ATF
1969 Ply GTX/RRs gone.

#4332535 - 02/18/17 01:09 AM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
Blkstanger Offline

Registered: 08/13/11
Posts: 1619
Loc: Lakeside, CA
I totaled one of my Harleys years back. The first offer from my insurance was $11k. I provided local comps for bikes like mine. They settled for a $16k payout.
99 Jeep GC 4.7 167,000 PHM 10w30, Fram Ultra.

#4332539 - 02/18/17 01:29 AM Re: Total loss info and ACV (actual cash value) [Re: turtlevette]
Nick1994 Offline

Registered: 02/19/13
Posts: 7846
Loc: Phoenix, AZ
And this is for that Trans Am with the collapsed lifter, cracked engine block, and needed a new paint job anyways?
2015 Hyundai Sonata 2.4L 59k M1 EP 5w30 & OEM
2000 Toyota Camry 2.2L 227k M1 AFE 0w30 & Wix
1996 Jeep Cherokee 4.0L 142k Napa 10w30 & Fram Ultra

#4332862 - 02/18/17 11:28 AM Re: Total loss info and ACV (actual cash value) [Re: Nick1994]
turtlevette Offline

Registered: 12/24/13
Posts: 3291
Loc: Massachusetts
Original paint is a plus when collecting cars. Original engines and transmissions are important. Cracks can be stitched. In perfect condition this car's NADA is almost six figures. I'm just trying to get enough to have it fixed properly.

Insurance underpayment/non payment is a widespread problem and getting worse as corporations moral compass weakens. You'll experience it eventually.