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 – 2018 Honda CRV EX-L – in “normal” wear except leather seats in “dealer ready” First 3 comparables were local vehicles “inspected” by CCC – all 2018 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.

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