so at-fault driver's insurance declared my car (infiniti g37s 2012 convertible with 71k) miles total loss and sent me CCC report.
There are some points that I outright disagree such as some basic math issues and how the adjuster indicated my car's conditions (such as grease on engine or significant damage to the dashboard, which are definitely untrue). My questions/concerns are purely on how CCC picks comparable cars and "adjust" them.
I see that they took two cars (comparables) and adjusted them for package/trim/mileage/condition. I see that their mileage adjustments are only 0.02-0.03 $/mile (my car had lower mileage than both, so they adjusted them up). is it a fair rate given for that type of car with that mileage?
Secondly, they adjusted DOWN both cars for almost $1000 for Condition. In another page, however, they marked my car's conditions (where they list details of engine/body/glass etc.) normal/average. Now my car was 13 years old but it was very well-kept and I would argue that other than some fading on the passenger seat, its condition was ideal. I tried to find the vehicles they used as comps to see their conditions, but looks like they are already sold or otherwise removed from the respective dealer's listings. Is it something worth to push back on or even involve an independent adjuster?
Lastly, they used one car with far higher mileage (+50k) than my car which was listed close by (~10miles). another car they used was ~1000 miles away. i found some cars on fb marketplace that are close by with much closer mileage. It is interesting why they would use the cars they did when there are much closer options
Trying to understand Total Loss report
byu/New-Reputation6546 inInsurance
Posted by New-Reputation6546
1 Comment
Those reports use data from cars that have actually sold from certified dealers. They will not take any open market comps like facebook, offer up etc. The mileage adjustments are non negotiable as those are pre determined. You mention an outside appraiser however you stated this report is from at an fault parties insurance. The appraisal clause can only be invoked using your first party collision coverage. In all honesty, the insurance company will likely tell you to go through your insurance carrier if your not happy with their evaluation.