CCC Car Value Estimation Calculator
Estimated CCC Valuation
Understanding CCC Information Services Valuations
If your vehicle has been declared a total loss by an insurance company, you have likely heard the term "CCC report." CCC Intelligent Solutions is a leading data provider that insurance carriers use to determine the Actual Cash Value (ACV) of a vehicle. Unlike Kelly Blue Book (KBB) or NADA, which use broad regional data, CCC generates values based on local market comparables (comps) found at dealerships in your specific zip code.
How the CCC Value is Calculated
The CCC methodology differs from consumer-facing valuation tools. Here are the key components included in our calculator:
- Base Local Market Price: CCC identifies 3 to 5 similar vehicles currently for sale or recently sold in your area.
- Mileage Adjustment: If your vehicle has 60,000 miles but the average local comp has 50,000, CCC will deduct value from your settlement based on a "cents-per-mile" formula.
- Condition Adjustment: This is the most controversial part of a CCC report. Insurance adjusters rate components like paint, upholstery, and tires. Most cars are marked as "Average," while "Exceptional" ratings are rare and require proof of recent refurbishing.
- Options and Equipment: Factory options like leather seats, sunroofs, or premium sound systems are added to the base value.
Example Calculation
Imagine a vehicle with a local market comparable average of $20,000. If the vehicle has 20,000 miles more than the average comp, CCC might apply a mileage deduction of $1,600 (at $0.08 per mile). If the interior has stains, a condition factor of 0.90 might be applied. After adding $500 for a premium trim package, the final estimated CCC value would be approximately $16,900.
How to Dispute a Low CCC Report
If you feel your CCC valuation is too low, you have the right to challenge it. Follow these steps:
- Check for Accuracy: Ensure they listed the correct trim level (e.g., SE vs. Limited) and all options.
- Review the Comparables: Look at the "Comps" used. If they are located far away or have salvaged titles, they are not valid.
- Submit Receipts: Recent engine work or new tires (within 6-12 months) can often be used to increase the "Condition" score.
- Invoke the Appraisal Clause: If you and the insurer cannot agree, your policy likely contains an "Appraisal Clause" allowing you to hire an independent appraiser.