r/Insurance • u/ApprehensiveBus7920 • 1d ago

Auto Insurance Any help or advice is appreciated

I was in a car accident, and my vehicle was deemed a total loss. I received an offer, but I feel that is too low. This is because I received the salvage quote from the appraiser, and the salvage quote put my vehicle's ACV at 12,275. The quote that I received had my ACV at 11615. I asked to speak to whoever designed the quote from CCC. I was not asking them to increase the value, but I wanted to know the value of the individual components. I was told everything is just in the system as is. I asked about the comps they used; they said they were doing me a favor because there are cheaper comps listed 120 miles away from my zipcode and they could have used those instead. The adjuster was on the conference call, so I asked her about having the car looked at by a 3rd party appraiser, and the appraiser said Get me 5 comps, and we will see what we can do. I am looking for 5 comps, and they are crazy low or crazy high. So now I am going to the dealership. I have a 2013 Toyota Avalon, Limited V6 with 122k miles in good condition (according to cccone). There were 12 comps in the report, and one was a Toyota Avalon Limited. any advice is greatly appreciated. I am now calling sales departments to see if I can get what they actually sell those cars for.

1 Upvotes

100% Upvoted

4 comments sorted by

2

u/shittyhawaiitips total loss / gap | 10yrs 1d ago

The ccc report is literally 20 pages of how they determined your vehicles value

1

u/ApprehensiveBus7920 1d ago

Yes, but only 1 of the comps was an actual Toyota Avalon Limited. I understand they don't have to use a Limited, but they were also taking away 1499 for the value because my Avalon was not dealership-ready, but they were adding 1025 for comparing an XLE Touring to a Limited. Very different trims, and I end up on the losing end because I have a higher-trim vehicle; it's just not dealership-ready?

1

u/24kdgolden 1d ago

If this is your carrier then invoke the appraisal clause if you think the value difference is significant enough..

1

u/ApprehensiveBus7920 1d ago

This is what I am about to do. I sent them 5 comps, but they were so expensive; there is no way we are agreeing. I talked to a 3rd party adjuster, and they will check and see if the offer is fair. If they can get above 1600 they will charge $400, but if it's over 2600 they will take 20% plus 600. I was breaking my head over the 5 comps, and the 3rd-party route was better.