- Report: #1467023
Complaint Review: CCC One - VA
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CCC One
VA, United States
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CCC One Liberty Mutual Insurance total loss valuation VA Virginia
Liberty Mutual uses CCC One to value total losses -
sent to a body shop to estimate damage to rear-ended vehicle
estimator uses CCC One estimation software -
puts in the VIN and it populates the options
determined it was a total loss (frame bent) - no disagreement there
then CCC one provides to the insurance company "comparables" and shows their options
My case - 2011 Honda CRV EX-L - in "normal" wear except leather seats in "dealer ready"
First 3 comparables were local vehicles "inspected" by CCC - all 2011 CRV EX-Ls
with VIN numbers shown
The listing of "options" said that they had CD players as well as the CD changer/stacker -
whereas I had only the CD changer/stacker (again this was populated by the CCC one
estimation software from the VIN)
Also the 3 comps were said to have rear side impact airbags besides the head/curtain air bags
while my vehicle was marked as not having the rear side impact airbags.
I questioned the insurance agent on these items and she said the VIN told them those things.
Although the comparables were dated several months ago, I visited the dealership listed for
"comp 1" and talked to the salesman who said he thought he was the one who sold it. I showed
him the comparison sheet and he agreed there should not have been any differences.
Later I was at a Honda dealership and had the Parts Dept guy look up my vehicle's build via the VIN, and the
same for "comp 1" - he confirmed that the "comp 1" was equipped EXACTLY the same as mine.
Those 2 items were a $150 "options" downgrade for me.
I presented this info to the insurance agent and she added that $150 to the settlement offer.
(Yes, I have read all the ways that they lowball the settlement amounts -
including pushing you on the length of time they will pay for the rental - but
they did get within about $500 of what it cost me for an identical vehicle replacement).
Complaint is that on the Valuation Report, CCC One added options that were NOT there.
