What should I look at first on a CCC report?

The summary page. It shows the base value, the adjusted value, tax, your deductible, and the total, which is the offer. Then read how the report describes your car. Everything else in the report builds on that description.

Does a free check replace a full review?

No. The free check shows the insurance company's number next to what the market supports, and how much more there may be. The reasons, the proof, and the written Independent Total-Loss Valuation Review come with the flat-fee full review.

By the Reclaim research team · Last reviewed 2026-10-10

How to read a CCC total-loss valuation report

A plain-language walkthrough of a CCC valuation report: what each part is for, where the offer comes from, and why the parts that matter differ from car to car.

Short answer: A CCC report has five parts: a summary with the offer, a description of your car, condition ratings, a list of comparable cars with adjustments, and notes. The offer is built from the comparable cars. The report is free to check with Reclaim if you would rather not read it line by line.

What is a CCC valuation report?

Many insurance companies use CCC ONE, software from CCC Intelligent Solutions, to value a totaled car. The report it produces is called a Market Valuation Report. It is usually many pages long.

The offer letter is not the report. If a letter is all you have, ask your adjuster for the full document: "Please send me the full CCC or Mitchell market valuation report for this claim, including the comparable vehicles used, the adjustments applied to each comparable, and the condition and equipment pages. The offer letter or settlement check stub is not the valuation report."

What are the parts of the report?

The summary. The first page lists the base vehicle value, the adjusted vehicle value, sales tax, your deductible on a claim under your own policy, and the total. The total is your offer.

Your vehicle. The year, make, model, trim, mileage, and equipment the software has on file for your car. Everything that follows is priced against this description.

Condition. Ratings for parts of your car, such as the interior, paint, and tires. Ratings above or below typical add or subtract value.

Comparable vehicles. The cars the value is built from. Each one has a price and a column of adjustments meant to make it match your car. The adjusted prices are combined into the base value.

Notes and history. A vehicle history summary and the software's notes on how it reached the number.

Where does the offer come from?

From the comparable cars. The software picks them, adjusts each one, and combines the results into a base value. Then condition, tax, and your deductible are applied to reach the total.

That means two reports on the same car can land on different numbers if they start from different comparable cars or apply different adjustments.

Which parts matter most?

It depends on the car. On one report the description of the vehicle is the whole story. On another it is the comparable cars, or the adjustments made to them. Most lines on most reports are fine.

Telling which lines matter on yours, and proving it in a way an adjuster accepts, is the hard part. It takes familiarity with a lot of these reports and with the market for your car.

What Reclaim does with it

Reclaim's software reads the whole report and checks it against the real market for your car. The check is free and takes about a minute. You see their number next to what the market supports. If the offer is fair, we tell you.

If there is more, the flat-fee full review puts it in writing as an Independent Total-Loss Valuation Review. It is not an appraisal and not legal advice. You send it to your adjuster yourself.

Keep reading

This page is general information, not advice about your specific claim.

Questions

What is a CCC valuation report?: Many insurance companies use CCC ONE, software from CCC Intelligent Solutions, to value a totaled car. The Market Valuation Report is the document it produces. Your offer is the last number on its summary page.
What should I look at first on a CCC report?: The summary page. It shows the base value, the adjusted value, tax, your deductible, and the total, which is the offer. Then read how the report describes your car. Everything else in the report builds on that description.
Does a free check replace a full review?: No. The free check shows the insurance company's number next to what the market supports, and how much more there may be. The reasons, the proof, and the written Independent Total-Loss Valuation Review come with the flat-fee full review.