Insurance Total Loss Info / Ccc Valuescope One Condition Inspection Guidelines on 2040-parts.com

One way to do this is by undergrading the condition of your total loss vehicle. 

I caught my insurance company (whose anagram is AASU) in this little act of fraud and was able to convince them it was in their best interest to correcly grade my vehicle.  This increased my settlement by $1300!   My vehicle was graded so high, there was no need for the "baseline adjustment" (another variable used to lowball your vehicle value), so this added another $800 to the valuation!  This was on a $10,000 vehicle, so this is an over 20% increase from their initial lowball offer. 

I'm not saying you can increase your settlement by this much, but information is power. The more you know, the better you will be able to negotiate a FAIR settlement.  Do this by making the insurance companies follow THEIR own valuation process.

One of the "variables" insurance companies manipulate is the condition guidelines used to value your vehicle.  They don't want you to know what these guidelines are.   They just tell you the condition, such as "average" or "normal" you read it and it "sounds" correct.  In fact the condition terms used can be very misleading and are not what you think.  The CCC valuation report you receive mysteriously leaves the column where the guidelines that explain the condition grade BLANK.  I believe this is intentional to keep you in the dark. 

I have gone through a great deal of effort and was successful in securing a copy of these CCC Inspection/Condition guidelines, which I will include free.  Besides the guidelines, I am also including some research I did on other's valuations and my own which show ballpark figures for some of the categories and conditions, as well as revealing the condition grades and multiple names for these grades CCC and your insurance company use as another tactic to confuse policyholders.

I will also include a list of links to some helpful and informative articles and research regarding total loss settlements.

Why am I doing this?  As an educational service.  I researched alot of information and want to share it with you.  I don't think it is fair for the insurance company to hold all the cards, control all the variables and lowball policholders on total loss settlements.  Most insurance companies will intentionally fudge repair estimates to total a vehicle because they know they can LOWBALL you on the total loss settlement.  They don't control the repair process (as much as they would like to), so instead of risking it, they total it and pay you below value, saving themselves money in the process. 

Try complaing to your Department of Insurance, but if your experience is like mine, you will realise that the Department of Insurance is actually acting as a "Department of (your) Insurance (company)".  I spent alot of time researching and compiling this information, and that (plus shipping and auction fees) is primarily what you are paying for...my research time in compiling this information and getting it to you. 

I can't guarantee any results.  Your mileage will vary and it depends on the effort you put in and your individual circumstances.  If your car is a basket case, this information won't help you, but if you think your car is in above average physical condition and it was not rated that way, then this might help.  Thanks for reading, and good luck in getting what is rightfully yours-- a fair settlement on your total loss vehicle.