Vehicle information
Year, make, model, trim, VIN, and the odometer reading CCC used. A wrong trim or extra miles lowers the value before anything else happens. Check these first.
Free tool
CCC report checker
Is your CCC total loss valuation right? Read a few lines off your CCC ONE Market Valuation Report. We flag the common issues worth a closer look. It takes about two minutes and you don't upload anything.
By the Reclaim research team. Last reviewed .
Your result
Answer what you can and press Check my report. You get a count of things worth a closer look, and where to find each one.
Get the free check
Upload the report and we tell you whether the offer holds. Free. The written report is one flat fee.
This checker flags common issues from what you enter. It is an estimate of what to look at, not a valuation, not a licensed appraisal, and not legal advice. It does not say what your car is worth or what the insurer will pay. Disclosures
How the checker works
Each question matches a check Reclaim runs on a full CCC report: the number of comparables, how far away and how old they are, condition deductions, projected sold lines, missing options, trim matches, and tax and fees. We flag a comparable more than 100 miles away, and a listing more than 90 days old unless your state's rule on file sets another window.
The result is a count and a list, not a number. A flag means look closer. It does not mean the offer is wrong, and no flags does not mean it is right. The free check reads the whole report and compares the comparables to market listings.
What's in a CCC Market Valuation Report
CCC ONE is claims software from CCC Intelligent Solutions. Many insurers use its Market Valuation Report to value a totaled car. The report runs in roughly this order.
Equipment and options
The packages and options CCC counted on your car. Anything your car had that is missing here isn't counted. Compare it with your window sticker or build sheet.
Condition
CCC rates parts of the car, like the interior, paint, and tires, and can add or subtract value. A deduction should match the car's real condition before the loss. Photos and service records help.
Comparable vehicles
The cars CCC used to set the market price. Each card shows the list price, the distance, the listing date, and adjustments for mileage, options, and condition. These cards are the heart of the report.
Projected sold or typical negotiation
A line on the comparables that lowers each listed price toward what the car might sell for. Look at whether it is the same on every car and what supports it.
Settlement summary
Base value, then adjustments, then tax, fees, and any deductible, down to the offer. Trace each line. Missing tax or fees, or math that doesn't add up, needs no debate about market value.
Why the comparables matter
States set rules for how a total loss is valued. Utah's rule, for example, looks to comparable vehicles in the local market area, and to nearby areas if none are available there (Utah Admin. Code R590-190-11). So where the comparables came from, how closely they match your car, and what was subtracted from them can move the offer.
Want the full walkthrough?
Our guide goes section by section through a CCC report and the settlement math.
Questions
What is a CCC valuation report?
Many insurers use CCC ONE, software from CCC Intelligent Solutions, to value a totaled car. The Market Valuation Report lists your car and its equipment, a set of comparable vehicles with adjustments, and the settlement math that leads to the offer.
How do I get my CCC report?
Ask your adjuster for the full CCC valuation, including the comparable vehicles. The offer letter isn't enough. The free check gives you a message you can copy and send.
What is a projected sold adjustment?
It is a line on each comparable that lowers the listed price toward what the car might actually sell for. It is worth asking what evidence supports it for each vehicle.
What does the condition adjustment mean?
CCC rates parts of your car and can add or subtract value for condition. The comparables can carry a condition line too. Check that each rating matches the car's real condition before the loss.
Does the checker tell me what my car is worth?
No. It counts common issues from what you enter and tells you where to look. It does not compute a value or say what the insurer will pay. The free check reads the whole report and tells you whether the offer holds.
Do I have to upload anything?
No. The checker runs in your browser. We don't ask for your name, your VIN, or the report. To have the whole report checked, use the free check.
What if the checker flags something?
A flag is a reason to look closer, not proof the offer is wrong. Upload the report to the free check and we tell you within 24 hours whether the offer holds. If it doesn't, the full review puts our independent value in writing. You send any follow-up under your own name.
Is this an appraisal or legal advice?
Neither. The checker is a free tool. The full review is an Independent Total-Loss Valuation Review, not a licensed appraisal and not legal advice.