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I HAVE USAA INSURANCE AND THEY USE CCC ONE ADJUSTERS. THEY ADMIT THAT THEY FO NOT LOOK AT KELLY BLUE BOOK, NADA, OR FACTORY DEALERSHIPS TO ESTABLISH REPLACEMENT VALUE OF YOUR TOTALED VEHICLE. THEIR ADJUSTER MAKES UP THE VALUE BY HIMSELF.

MY 2004 ULTIMATE SERIES LINCOLN TOWN CAR WAS IN NEAR SHOWROOM CONDITION. MY BANK APPRAISED THE CAR AT $8500. THE KELLY BLUE BOOK, NADA VALUES, AND A DOZEN LINCOLN DEALERSHIPS RATED THE VEHICLE AT $8500 TO $11,500.

WITH THE CONDITION RATED AS "EXCELLENT" THE CCC ONE APPRAISER GAVE ME A CHECK FOR $6500. I COMPLAINED AND HE RAISED IT TO $2750. I REFUSED TO SIGN THE SETTLEMENT ORDER.

THEN I GOT A LETTER FROM CCC ONE THRU USAA INSURANCE. IT WAS UNSIGNED AND READ "WE HAVE ADJUSTED YOUR SETTLEMENT AND MADE A DIRECT DEPOSIT INTO YOUR BANK CHECKING ACCOUNT...OF $0.02. TWO CENTS.

THIS WAS AN INSULTING NOTE AND "SETTLEMENT' TO SHOW ME WHO WAS ACTUALLY IN CHARGE...

NOW THEY'VE MADE IT PERSONAL AND AS A DISABLED VETERAN, I HAVE A NEW MISSION, I ALSO HAVE 1202 FACE BOOK VETERAN FRIENDS... COMBAT VETERANS HAVE SPECIAL BONDS WITH EACH OTHER.

THEY WILL ADOPT MY MISSION AND SPREAD THE WORD, DO NOT DO BUSINESS WITH ANY COMPANY USING "CCC ONE" APPRAISERS.

BEWARE OF USAA INSURANCE. ITS COMPANY POLICY TO "LOW BALL" ALL ESTIMATES, GIVE YOU THE SCRAPS WHILE THEY COLLECT FULL REPLACEMENT VALUE FROM THE OTHER INSURANCE COMPANIES....

USAA USES CCC ONE... THEY TARGET THE VETERANS. THEY'LL SAY HOW MUCH THEIR CARE ABOUT THOSE WHO SACRIFICED SO MUCH, THEN WHILE THEIR SPEWING THEIR LIES .... THEIR TAKING YOUR MONEY.

THEY AUTOMATICALLY TAKE AT LEAST 25% OFF THE TOP OF YOUR VEHICLES REPLACEMENT VALUE....AND POCKET THE MONEY, YOUR MONEY.

HERE IS THE KICKER, WHEN YOU COMPLAIN THEY'LL LET YOU IN ON A "SECRET" .... FOR A MODEST FEE PER MONTH YOU CAN "BUY" AN ADDITIONAL 20% THAT THEY'LL ADD ON TOP OF "CCC ONES" AUTOMATIC LOW BALL APPRAISAL.

IF YOU PAY THEM EXTRA MONEY NOW, IN THE FUTURE YOU CAN GET AN EXTRA 20% AUTOMATICALLY ADDED ON TOP OF CCC ONE'S LOW BALL APPRAISALS.

YOU JUST THINK YOUR INSURANCE WILL COVER THE LOSS OF YOUR VEHICLE... IT WON'T IF YOU HAVE USAA, AND CCC ONE IS APPRAISING IT.

THE 25% LOW BALL ESTIMATE IS STANDARD PROCEDURE WITH USAA. YOUR VEHICLE HAS A "REAL REPLACEMENT VALUE". USAA WILL DEDUCT 25% OFF OF THAT REAL REPLACEMENT VALUE.... AND KEEP YOUR MONEY.

THEY DID IT TO ME.

Reason of review: LOW BALL ESTIMATES WHERE USAA TAKES MY MONEY FROM MY TOTALED VEHICLE...AND POCKETS IT..

Monetary Loss: $4200.

Preferred solution: I WANT THE KELLY BOOK, NADA, MY BANKS APPRAISAL AND AN AVERAGE OF LINCOLN FACTORY DEALERSHIPS LINCOLN TOWN CARS JUST LIKE MINE... I WANT THE SETTLEMENT THAT THE OTHER DRIVERS INSURANCE COMPANY PAID USAA TO REPLACE MY VEHICAL THAT THEY TOTALED. .

Location: Mount Ida, Arkansas

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Laretha Byd

Does anyone know of an auto insurance company that doesn't use CCC to appraise it's totaled vehicles?

Guest

FARMER FRAUD AS IT HAPPEN TO ME/ using CCC one Fake Report on My C320 Merz Sport Steven B. from Golden Gate Fields out of Daly City uses it to TOTAL SALVAGE MY BEAUTIFUL MERZ.

my problem is that it is an 2003 which makes it 16 Years Old. He Says Its Old / Junky Worthless of the $7500.00 Repairs the Lady with this Insurance Tells Me. I have Geico however dropped my collision a few months back to save money on my premiums and also never an accident so the claims lady said it was a good bet. It Was Not !

Farmers Insurance is Worthless Not My Car! and they use adjusters without proper Lic # or Understanding of Inspections and Appraisals to Determine My Cars Values so it Can Get Repaired. In My Situations its Very Strange but it should not be. I was Rear Ended on the Freeway 680 near San Ramon Danville Area of Central Calif.

100% Her Fault. Patricia H does it again and pushes me into the Car in Front. This Causes Further Damage to my Near Perfect Car. I had 2 years earlier had the Car Touch Up Painted after a Gardner dropped junk and broke my windshield and were dings and stuff all over the hood the top and rear end so Geico did a Complete Touch Up $3267.00 and made it Look New Again.

I am Very Careful to Park it not near other cars to avoid shopping cart Dings and Makes Me Nervous Leaving it Next To Mini Vans with Kids, or Vandals Keying Cars so I Park it in the Open under Lights and Away from Cars, Plus Wash it Weekly maybe Twice and Wax it every other month. I check the Tire Pressures usually every 2 weeks 28 front 32 rear. My Car is the Race Car Version and will Go 140 mph. Farmers Adjusters Uses CCC to Say My Car is only worth $3966.02.

Lady Rear End Me Damage is $7500.00 and leaves me not able to fix my car. BUT WORSE THAN THAT A SALVAGE TITLE WITH THE STATE OF CALIFORNIA DMV. My Show Car Mercedes Special Order Fully Loaded with Max Options now has a Values of Kelly Blue Book $0 zero because they use CCC Instead of Looking at the Car. I Contacted Geico About this Procedure?

is it Right? Does It Pass Calif Dept of Insurance? No Lic? first he was going to Tow it Right Away.

Strange as he is did not Care. Ready withing 5 minutes to Hook My Car Was the 1st Inspections My Laurence V. He Said " unfortunately " the damage was " too severe " in my situations. yea right!

sees my car and says Yeap Hook It Up! Thief! GRAND THEFT AUTO way it looks to me but not the Adjusters. How He Have the Power To Tow My Car?

And How This Same Farmers Adjuster With No Business Card or State ID Lic # Sell My Car Back Wrecked ! now my problem Deal With. all with no permissions or prior contracts or agreements? How He Own It To Sell It Back ?

is my questions at the Dept Of Insurance with Mr Zuringa. so far nobody knows how they do it. I am Wondering If they Sold My Car Back Wrecked and Charged Sales Tax, they are also Auto Dealers Selling Cars and Need another Lic to do that. So He Needs To Be Two Lic# and he has None.

In California Person Needs to be Lic # to Put Polish on Ladies Feet. Need One to Be A Plumber. To Cut Hair in Calif you Need a Bus Lic and Cosmetology #. Adjusters are Also with Annual Renewal, that requires Testing and Certifications Course to Verify they Have An Understanding of the Law, and How It Applies.

Unfortunately for the Adjusters they Used CCC / as the matter is in Court and the Judge will Throw That BS and Nonsense Out as IT IS NOT MY CARS VALUES. I AM BRINGING AUTO TRADER LISTINGS SHOW MY CAR OVER $10,000 NOT CCC SAY $3900 I BRING SHOW JUDGE MY DEALERS WINDOW STICKER $40,000 NOT STEVEN B. Fake CCC Values. BOTH THROWN OUT COURT IN 15 MINUTES !

CCC ONE IS ALSO TAKE TO COURT SAME THING ME HAPPENS TO OTHERS INSURANCE COMPANIES PAY FOR 3rd party reports to lower claims values and pay less GEICO DOES NOT DO THIS AS GRANT EXPLAINED TO ME THEY SEE THE CAR AND IF YOU DONT THINK ADJUSTER WAS FAIR THEY WILL GIVE YOU TWO MORE UP TO 3 APPARAISALS IN MY CLAIM THERE WAS ONLY ONE AND ONLY ONE AND REMAINS ONE AS HE IS THE SUPERVISIOR AND MANAGER AND ALSO THE PERSON YOU COMPLAIN TO. farmers adjusters are everything and everybody so you cant get it resolved because nobody else will help you or even knows about it as it is kept dark in his back pocket same the bonus they get paid to keep it wrecked total salvage instead of doing the right thing was just fix my car.

i am 100% not at fault / lady farmers rear ended me on highway. i do not do business with farmers / i got geico they are strangers (farmer Adjusters) who is 5 minutes next day after an accident TOW MY CAR/ i think its Grand Theft Auto, and if they don't pay or fix my car i may report it to police as such Eric

Guest

I have the same thing happening with Safeco insurance .They should not get away with this. they were sued in several states . I am about to add my name to the class action lawsuit .

Guest
reply icon Replying to comment of Guest-1609181

I am dealing with Safeco/Liberty Mutual right now. They are using CCC.

Their lady rear ended another vehicle on the interstate with so much force they both stuck together and re-ended me throwing me 30 feet ahead of them. They refuse to fix my vehicle and with using CCC tell me it's junk. 2008 Taurus- well maintained, new tires and brakes within one year of accident. Oil changes and total car maintenance kept up on.

Was kept in garage overnight and when not driven. Looks great. CCC report barely acknowledges that or the fact it has a remote starter. That costs 275 and they say its worth 29$.

Safeco refusing to fix car because of CCC lowballing report. Car Vin audit.com says car worth more than they are wanting to give. They even had the nerve to send me to their safeco auto buying program site for a car.

Guess what the same car was twice as much on their own site When I brought that to heir attention they said the price was over inflated. What can I do??

Guest

sounds like your problem is with usaa?

Guest

Thanks. I agree, CCC lowballs and they are complicit in the corruption of the auto insurance industry. Our losses subsidize their profits.

Guest

CCC is an absolute way for any corporation (GEICO in my case) to use as an excuse as "there's nothing we can do". An idiot ran a red light, I crashed into him while traversing my green light, totaled my vehicle which I loved and received half of what it was worth because they ran comps and found one vehicle in the state that had been sold for literally half of my vehicle's worth, no telling when it was sold, and in obviously horrible condition.

An absolute joke. And to make matters worse, I'm sitting here a year and a half later not able to sit completely back against a chair because "we see no injury with your back". GEICO and CCC are the perfect examples of corporation's completely screwing over what is right in order to fill their pocket books, and of course not their employee's pocketbooks I'm sure. I wish no ill will to any of the corporate children but their parents are the epitome of contamination and corruption.

Anything for a buck I suppose. Let's just hope they never have to live in another's shoes...they wouldn't survive.

Guest

CCC is an absolute joke on many levels and the insurance companies love them because they provide "low ball" VALUES thus giving the insurance companies less to pay out.

CCC sends out Field Reps and find out what the rock bottom lowest price the dealer will take for the car and that's the how they determine compatible vehicle Values.

One my total loss value report they used 3 cars that were not even close to my car in equipment or powertrain. And they deducted $3000 for high mileage on my wrecked car but NADA only deducted $1200.

CCC is the most brilliant scam that insurance companies have fallen in love with. Don't let your insurance company tell you that there is nothing they can do after CCC has prepared the report.

Screw them and see CCC! I fought them both and won.

Wake up people. CCC is nothing but an organized scam and endorsed by your insurance company.

Guest
reply icon Replying to comment of Guest-1355192

How did you fight them both? In same position, and currently getting rebuffed by USAA.

Guest

I'm an estimator at a bodyshop and even though I hate insurance companies I have to tell you that CCC has nothing to do with what you are talking about. CCC is just a computer program used to write repair estimates.

any $amounts put in to CCC was done by USAA. its like blaming Microsoft Word when someone writes a racist letter with their computer.

Guest
reply icon Replying to comment of Guest-1354998

You sir have missed the point.

The point is CCC was created by the insurance companies themselves.

Close to 90% of all insurance companies use this low ball computer generated valuation program. Read about the lawsuits filed against them and how they have lost every case. So that tells you right there that its cheaper still for CCC to pay out millions of dollars in settlements then to have a true market value system in place. I've had personal experience with this bogus system called CCC ONE and God only knows how many people out there have never questioned their valuation reports from CCC.

They gave me a high mileage deduction of $3100. I compared the same exact valuation using NADA, Kelley Blue Book, Edmunds, three online appraisals and used a local expert....and he average of all of them came in at $1500 deduction for high mileage. Had the proper high mileage deduction been used, I would have received a check from Geico for $1400. Probably even more since Comparable Car #3 CCC computer found, was a vehicle that didn't even exist and after I called the dealer that was supposedly selling that car, the dealer said they had placed an ad using that car But removed the ad because Comp.

Car#3 turned out to be a fraudulent vehicle regarding odometer and history check. CCC actually used a comparison car that was a fraud.

Guest
reply icon Replying to comment of Guest-1354998

I'm sorry I have talked with them and they are a joke. The cars they use, aren't always what they say they are.

I've called dealers and told them the car was sold and here is the VIN provided and they check the system to find no car and have no idea. Another dealer I called stated that the reason the car was so low was because it was an auction car and they were just trying to get rid of it. In comparison to my vehicle they also deduct 497.00 from the comp cars and base that new amount to value my vehicle. When asked what this deduction was it was a survey they did with so called dealers that say that is the average amount they spend to get it lot ready.

Tires, filters, oil changes.

I was a service advisor for many years this company is just as much slime as our insurance companies. I have done extensive research into the company.

Guest

That's Fraud? so they get $2,500.00 more out of the other Insurance company and the insurance company keeps it?

Guest

Sorry to tell you, but CCC One is just an estimating database, not an adjuster

Guest

CCC is a software package, not an appraisal service.

Guest

Thank you I am having this problem with trader insurance....Marilyn minor 314-337-****...what do i do know

Guest

Yeah going through same issue hope to have it resolved this week. They are trying to give me $13,000 for my 1993 Supra turbo that was in mint condition and a rare color

Guest

Lets just clarify. The CCC One program nor its employees declare the appraisal vale.

Each insurance has their own profile setup within the CCC One program. So the Insurance company low balls you by the guidelines they set in their profile in CCC one

Guest

I'm dealing with them now. I wish you luck in your new fight, and thank you for the ones you fought in already.

Guest

My name is Scott 16 yr retired marine...going thru this too...but I have something u might want to know...the company in Ca ccc is not certified and licensed to have workers appraise cards...also I have the list of all cars by model yr claim # names account and repair cost...and dates..guess what ...my exact quote is a someone else's

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