What should I look at first on a CCC report?

Confirm the loss vehicle identity (VIN, mileage, trim), then scan comparable listing dates and any condition or projected-sold adjustments applied to every comparable.

Does a free check replace a full review?

No. The free check runs extraction and deterministic rule checks only. A full Independent Total-Loss Valuation Review adds market comps and a dispute package.

Updated 2026-09-08 · consumer

How to read a CCC total-loss valuation report

A plain-language walkthrough of CCC market valuation sections: loss vehicle, comps, adjustments, and settlement math.

What a CCC valuation contains

A CCC market valuation report typically lists your loss vehicle and equipment, then a set of comparable vehicles with list prices, adjustments for mileage, options, and condition, and an adjusted comparable value. Those tables are the heart of the report — not the cover letter.

Reclaim's free check is free to check: we extract those fields and run deterministic rules before any paid market research.

Adjustments to watch

Look for adjustments labeled condition, projected sold, or typical negotiation. Ask whether each deduction is itemized and supported for that comparable, or applied as a blanket markdown across the set.

Settlement math

Trace base value through adjustments, tax, fees, and deductible (on first-party claims) to the stated settlement. Arithmetic mismatches are high-signal findings because they do not require a debate about market value.

What Reclaim produces

When a full review is warranted, Reclaim produces an Independent Total-Loss Valuation Review — not an appraisal and not legal advice. On third-party claims, the product shows objective valuation and general information only.

FAQ

What should I look at first on a CCC report?: Confirm the loss vehicle identity (VIN, mileage, trim), then scan comparable listing dates and any condition or projected-sold adjustments applied to every comparable.
Does a free check replace a full review?: No. The free check runs extraction and deterministic rule checks only. A full Independent Total-Loss Valuation Review adds market comps and a dispute package.