Auto Warranty Services
CCC Intelligent Solutions Inc.Headquarters
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Complaints
This profile includes complaints for CCC Intelligent Solutions Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 17 total complaints in the last 3 years.
- 7 complaints closed in the last 12 months.
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Initial Complaint
Date:01/24/2024
Type:Service or Repair IssuesStatus:UnansweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I had my 1989 Motorcycle stolen on 12/17/2023. My insurance company, State Farm, uses this "CCC1 information Services" for comparable amounts for a total property loss. The problem is CCC1 supplied State Farm with comparables that can not be VERIFIED and the amounts were lower than the written appraisel of $6000.00 I gave to State Farm at the time of coverage. I believe this company uses phony comparables.This motorcycle is considered a RARE vehicle based on the low milage and year with an excellent appraisel.Business Response
Date: 02/02/2024
February 2, 2024
Via Electronic Portal
Better Business Bureau
**************************************
*******, ** 60601
************
**********************************************************************************************
************************
Re: Consumer Complaint *************************;
File No.: 21192093
To Whom It May ****************************************************************************** CCC Intelligent Solutions, **** (CCC) is writing in response to the above-referenced complaint filed by ************************* that was received by my office on January 25, 2024. CCC thanks you for the opportunity to respond to ****************** concerns.
At the outset, it is important to note that CCC does not determine whether a vehicle is repairable or is considered a total loss. That determination is made solely by the insurance company adjusting the claim, in this case ******************** Companies (State Farm). CCC also does not adjust, settle, or pay total loss claims. Instead, when specifically requested, CCC provides its opinion as to the value of a loss vehicle to inform the requestors analysis and, in the case of an insurance company, assist it in resolving any total loss claims.[1] As such, any questions **************** has regarding whether his vehicle should have been determined a total loss or about the adjustment or ultimate settlement of his claim should be directed to his insurer. CCC will limit its response to CCCs valuation process.
CCC maintains an industry-leading database of used commercial and recreational units that are drawn from two distinct sources of information: (a) dealer-advertised vehicles; and (b)privately-owned and advertised vehicles. New comparable vehicles are added to the database daily. The comparable vehicles used in CCCs total loss valuations are drawn from this database.
When a total loss valuation is requested -- in this case by an insurance company -- the requestor provides CCC with the loss vehicles Vehicle Identification Number (VIN). CCCs software performs a VIN analysis and identifies the loss vehicles year, make, and model. The insurance company confirms this information and provides CCC with the loss vehicles mileage, options, aftermarket equipment, refurbishments, as well as the zip code where the loss vehicle is garaged. The insurance company also performs a physical inspection of the loss vehicle during which it assesses and rates the pre-collision condition of the loss vehicles key components, which it provides to CCC.[2]
CCC will then have a trained Valuator search CCCs database of commercial and recreational vehicles to identify the best possible comparable vehicles for use in preparing a valuation of the loss vehicle. CCC identifies comparable vehicles based on the year,make, model, trim level, body style, engine, and location of the loss vehicle.CCCs system also adjusts the price of those vehicles to equate the comparable vehicles more accurately to the loss vehicle, since no two used vehicles are exactly alike. These adjustments allow for an apples-to-apples comparison between the loss vehicle and the comparable vehicles, and account for differences such as mileage and options, as well as for vehicle condition. After the foregoing adjustments have been made, an arithmetic average of the adjusted values of the comparable vehicles is calculated.
Finally, CCC supplies the insurance company with a detailed report explaining the valuation of the loss vehicle and CCCs opinion as to the value of the loss. This report is called a Market Valuation Report or *** for short. The *** lists all the comparable vehicles used in the valuation and includes available detailed information about the comparable vehicles such as the **** the contact information for the seller of the vehicle, the price of the vehicle, the vehicles options, trim level,mileage, the adjusted price after application of the above-described equating adjustments. The *** also describes why and how various adjustments are made and explains the valuation methodology used to determine the vehicle value. CCC provides the completed *** to the insurance company, which then considers the *** in its sole discretion as one piece of information used in its settlement of its total loss claim with the claimant.
A copy of the *** provided to State Farm is attached hereto as Exhibit A. As can be seen from the ***, CCCs opinion as to the value of the loss vehicle was based on the specific characteristics of the vehicle, such as its age, mileage, condition, equipment,and options. Most prominently, the motorcycle was 35 years old and had over ****** miles. CCC was able to locate two comparable vehicles within 877 miles of the loss zip code and with similar mileage to the loss motorcycle (****** miles and ****** miles, respectively). See *** at 4. The two comparable units were the same make, model, and engine as the loss vehicle, and one comparable vehicle was the same model year, while the other was a year newer.[3] See id. These vehicles are based upon advertisements available at the following links:
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CCC based its valuation off of these comparable vehicles.
After CCC sent the initial valuation, the insurer asked CCC to consider the impact certain refurbishment items may have on the vehicles value. Based on receipts for refurbishments received by CCC, $12 was added to the value. See *** at 1. These adjustments were based upon CCCs market research and measure the impact of the refurbished part on the value of the vehicle loss overall.
On or about January 2, 2024, **************** contacted CCC, and spoke with one of CCCs customer service agents. CCC reviewed the valuation, methodology, and the basis for the adjustments for refurbishments with ****************. During this phone call, CCC also explained that **************** would need to discuss any issues with the assessment as to the condition of the vehicle, any appraisals he had, and the ultimate settlement,with his insurer. CCC is always willing to consider additional comparable vehicles or information that a vehicle owner may provide, and **************** should feel free to work through his insurer to submit any additional information he may have.
We appreciate the opportunity to respond to ****************** concerns, as well as your assistance with and attention to this matter.
[1] While many of CCCs customers are insurance companies, CCC is also used by rental car agencies as well as certain local and federal government agencies.
[2] Again, CCC does not make any decisions regarding whether a vehicle is a total loss or repairable, and CCCs total loss valuations are based upon information provided from the insurers physical inspection of the vehicle.
[3] In its valuations, CCC uses comparable vehicles that are currently or were for sale within 90 days of the loss, and as such, it is possible that some vehicles may no longer be for sale by at the time the insured receives the valuation. CCC is not searching for replacement vehicles, but for vehicles that will help CCC form an opinion as to the market value of the vehicle.Customer Answer
Date: 02/03/2024
Complaint: 21192093
I am rejecting this response because:
Sincerely,
*************************Customer Answer
Date: 02/05/2024
As stated in the original complaint the comparisons provided by CCC1 do not exist. I tried to find out the serial numbers of each one and found that the first one lists *************************** on ******** from ******* *******. This contact refused to provide a serial number and the address where the motorcycle could be seen and now it will not be seen on the market place of ********. The second contact lists *********************** on ******** from **********, ****. When I asked for the serial number, I got no response and ***** has not signed in to ******** since June of 2023. Now this company will use the "CUTE" disclaimer that they cannot guarantee these comparables are available because they might be sold or the seller changed their mind about selling. But the damage has already been done to me because the insurance will use the information they received from CCC1 which is such a lowball dollar amount it defies common sense. The only satisfaction I can receive is for the CCC1 company to contact **************************** and withdraw the comparisons and instruct State Farm not to use them for claim number 1160R038X.Business Response
Date: 02/14/2024
February 14,2024
Via Electronic Portal
Better Business Bureau
**************************************
*******, ** 60601
************
**********************************************************************************************
************************
Re: Second Response Consumer Complaint *************************;
File No.: 21192093
To Whom It May ***************** you for the opportunity to provide a further response to ****************. As CCC indicated in its initial response, CCC provided its opinion as to the value of the loss vehicle based upon the limited comparable vehicles available for the 35-year-old Kawasaki motorcycle.CCC also provided the information regarding those comparable vehicles in its valuation report and previous response to ****************. CCC stands by its valuation, but is, however, always willing to review additional comparable information, receipts, refurbishments, restoration, or any additional information regarding the loss vehicle. Because CCC does not adjust, settle, or pay total loss claims, **************** should work through his insurer to submit any additional information he may have. At this time, CCC has not been provided any additional documentation or other comparable vehicles to consider.
We appreciate the opportunity to respond to ****************** concerns, as well as your assistance with and attention to this matter.Customer Answer
Date: 02/15/2024
Complaint: 21192093
I am rejecting this response because:
Sincerely,
*************************Customer Answer
Date: 02/16/2024
So, since it is a well known fact that the ******** App can be manipu;ated to make phony unsubstantianted claims, my belief is that CCC1 has done just that. My opinion is it is Better Business if CCC1 would provide the serial numbers for the advertised motorcycles, it would prove the advertisements are real. Surely this is a reasonable request if CCC1 is not involved in a scam to provide the insurance company with the lowest comparable value they are making. I demand the CCC1 company provide the above mentioned serial numbers, so I can verify the validity of their claims. Anything short of my demand can only be construed as false information. Just give me the serial numbers and when I verify same I will withdraw my complaint. No serial numbers and the complaint will continue.Initial Complaint
Date:01/19/2024
Type:Service or Repair IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
It feels like this is s **mputer generated **mpany. No real people to do the job **rrectly. They totaled my pickup with very minor damage then gave **mp vehicles that were not **mparable at all. When we sent them ones that were they dismissed them. Only using non existing vehicle **mps (we **uldn't find some of the ones they used) or **mpanies that were out of business and had been for years. How is that a legal **mp? My pickup has a brand new motor. Everything rebuild and brand new front to back and the body is still in great **ndition. They didn't care, they only looked at the year and what the tach said. They are scammers and are only swindling the **nsumer and our insurance **mpany (Allstate) didn't care. I wish I would have thought to fight for a different **mpany to be used. But our frustration with this scam **mpany got the best of us. There was always a voicemail and we wouldn't get calls returned for weeks on end. Then they wouldn't hear what we said or take our information. They dismissed anything we had that would prove the value of our vehicle was much greater. We got screwed by this **mpany! It's like the insurance **mpany didn't care and used them to low ball us. And because this isn't an accredited **mpany the insurance ** can just look the other way and let the **mputer generated ccc **mpany do there thing and then the ins ** is no longer responsible. It's so scary that they **ntinue to be used and trusted by our insurance **mpanies and are still in business. I do not understand why the insurance **mmissioner doesn't audit them the way they do the insurance **mpanies. Why does the **mmissioner allow the insurance **mpanies to just say ccc gave me the value when they do not have a good reputation, they are not a **mpany that wants to help the **nsumer, they low ball and s**** the customer. They have no legal repercussions what so ever. Someone need to be held ac**untable for their fraudulent actions!Business Response
Date: 02/02/2024
February 2, 2024
Via Electronic Portal
Better Business Bureau
**************************************
*******, ** 60601
************
**********************************************************************************************
************************
Re: Consumer Complaint *********************;
File No.: 21169046
To Whom It May ****************************************************************************** CCC Intelligent Solutions, **** (CCC) is writing in response to the above-referenced complaint filed by ********************* that was received by my office on January 22, 2024. CCC thanks you for the opportunity to respond to ********************* concerns.
At the outset, it is important to note that CCC does not determine whether a vehicle is repairable or is considered a total loss. That determination is made solely by the insurance company adjusting the claim, in this case Allstate Property ****************************** (Allstate). CCC also does not adjust, settle,or pay total loss claims. Instead, when specifically requested, CCC provides its opinion as to the value of a loss vehicle to inform the requestors analysis and, in the case of an insurance company, assist it in resolving any total loss claims.[1] ** such,any questions ******************** has regarding whether his vehicle should have been determined a total loss or about the adjustment or ultimate settlement of his claim should be directed to his insurer. CCC will limit its response to CCCs valuation process.
CCC maintains an industry-leading database of used vehicles that, at any point in time, contains detailed information on approximately eight (8) million vehicles currently or recently advertised for sale in *****************. The vehicles in this database are drawn from three distinct sources of information: (a) inspected dealer vehicles; (b) dealer-advertised vehicles; and (c) privately-owned and advertised vehicles. The comparable vehicles used in CCCs total loss valuations are drawn from this database. New comparable vehicles are added to the database daily. Over the course of a year, CCCs database will include information on approximately twenty (20) million unique used vehicles.
When a total loss valuation is requested -- in this case by an insurance company -- the requestor provides CCC with the loss vehicles Vehicle Identification Number (VIN). CCCs software performs a VIN analysis and identifies the loss vehicles year, make, and model. The insurance company confirms this information and provides CCC with the loss vehicles mileage, options, aftermarket equipment, refurbishments, as well as the zip code where the loss vehicle is garaged. The insurance company also performs a physical inspection of the loss vehicle during which it assesses and rates the pre-collision condition of the loss vehicles key components, which it provides to CCC.[2]
CCCs automated system then searches CCCs database of inspected and advertised vehicles to identify the best possible comparable vehicles for use in preparing a valuation of the loss vehicle. CCC identifies comparable vehicles based on the year, make, model,trim level, body style, engine, and location of the loss vehicle. CCCs system also adjusts the price of those vehicles to equate the comparable vehicles more accurately to the loss vehicle, since no two used vehicles are exactly alike.These adjustments allow for an apples-to-apples comparison between the loss vehicle and the comparable vehicles, and account for differences such as mileage and options, as well as for vehicle condition. After the foregoing adjustments have been made, a weighted average of the adjusted values of the comparable vehicles is calculated, considering the similarity of the comparable vehicles as compared to the loss vehicle, their location, the recency of the data, and whether the comparable vehicle was inspected by CCC.
Finally, CCC supplies the insurance company with a detailed report explaining the valuation of the loss vehicle and CCCs opinion as to the value of the loss. This report is called a Market Valuation Report or *** for short. The *** lists all the comparable vehicles used in the valuation and includes available detailed information about the comparable vehicles such as the **** the contact information for the seller of the vehicle, the price of the vehicle, the vehicles options, trim level, mileage,the adjusted price after application of the above-described equating adjustments. The *** also describes why and how various adjustments are made and explains the valuation methodology used to determine the vehicle value. CCC provides the completed *** to the insurance company, which then considers the *** in its sole discretion as one piece of information used in its settlement of its total loss claim with the claimant.
A copy of the *** provided to Allstate is attached hereto as Exhibit A. ** can be seen from the ***, CCCs opinion as to the value of the loss vehicle was based on the specific characteristics of the vehicle, such as its age, mileage, condition, equipment, and options. Most prominently, the vehicle was nearly 20 years old and had over ******* miles. ** a point of comparison, the average mileage for a similar vehicle of the same year, make, and model is approximately *******. CCC was, however, able to locate two comparable vehicles within 60 miles of the loss zip code and with similar mileage to the loss vehicle (******* miles and ******* miles, respectively). See *** at *****. The two comparable vehicles were the same make, model, and engine as the loss vehicle, and one comparable vehicle was the same model year, while the other was a year newer.[3] See id. CCC based its initial valuation off of these comparable vehicles.
After CCC sent the initial valuation, the insurer asked CCC to consider the impact certain refurbishment items may have on the vehicles value. Based on receipts for refurbishments received by CCC, $1,582 was added to the vehicle value. See *** at 1. These adjustments were based upon CCCs market research and measure the impact of the refurbished part on the value of the vehicle loss overall. CCC also received three additional comparable vehicles from insurer that it understands were provided to the insurer by ********************. Two of those comparable vehicles were added to the valuation and supported CCCs initial opinion as to value. See id. at ***** (Comparable Nos. 4, 6). The third comparable vehicle provided by ******************** did not have contact information listed and thus was not proper to include in the valuation. CCC also expanded its initial search and added five supplemental comparable vehicles all of which supported CCCs initial opinion as to value. See id. at ***** (Comparable Nos. 3, 5, 7, 8, 9).
On or about December 8,2023, ******************* contacted CCC, and spoke with one of CCCs customer service agents.CCC reviewed the valuation, methodology, and the basis for the adjustments for refurbishments with ********************. During this phone call, CCC also explained that ******************** would need to discuss any issues with the assessment as to the condition of the vehicle as well as the ultimate settlement, with his insurer. CCC is always willing to consider additional comparable vehicles or information that a vehicle owner may provide, and ******************** should feel free to work through her insurer to submit any additional information she may have.
We appreciate the opportunity to respond to ********************** concerns, as well as your assistance with and attention to this matter.
[1] While many of CCCs customers are insurance companies, CCC is also used by rental car agencies as well as certain local and federal government agencies.
[2] Again, CCC does not make any decisions regarding whether a vehicle is a total loss or repairable, and CCCs total loss valuations are based upon information provided from the insurers physical inspection of the vehicle.
[3] In its valuations, CCC uses comparable vehicles that are currently or were for sale within 90 days of the loss, and as such, it is possible that some vehicles may no longer be for sale by at the time the insured receives the valuation. CCC is not searching for replacement vehicles, but for vehicles that will help CCC form an opinion as to its opinion of the value of the vehicle.Initial Complaint
Date:10/20/2023
Type:Service or Repair IssuesStatus:UnansweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I deposited my check to ********** thinking I was going to get my funds and they put hold because they couldn't verify the number on the front of check in their system so I don't get paid and I get evicted because it's a rent relief checkInitial Complaint
Date:05/31/2023
Type:Customer Service IssuesStatus:UnansweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This business preys on independent appraisers. They would only offer a long term contract. I have no longer been in the appraisal business as a single person business, they will not negotiate / allow me to cancel earlier. They simply quote the contract I signed and could care less about the customer. They then threaten collections. I have tried to speak to a manager for months, of course no managers will ever call back. They have what's a called a retention team, but they have no interest in negotiating / coming to agreement. They simply site the contract. Terrible company. I haven't used the software in months and still they want payment for another year.Initial Complaint
Date:04/27/2023
Type:Service or Repair IssuesStatus:UnansweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have had two car accidents two different insurance companies (not mine) both accidents we not my fault both parties accepted liability both times CCC lowballed my cars value... I have a current claim with a insurance company that has contracted to use the CCC software/company that has left a few important options of the report of the value you of my car things that are pricey options when you buy a car new... after googling class action lawsuits they have lost for misleading, pricing inaccuracies, and intentional devaluing of the victims car/property they have had to payout MILLIONS in fraudulent reports... the fact that this "COMPANY" is a paid "PARTNER" with "MOST" insurance companies tells you something... they are there to make money for their partners... do not agree research your facts have proof/documents bring a lawyer they will s**** you any chance they getInitial Complaint
Date:03/29/2023
Type:Service or Repair IssuesStatus:UnansweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
CCC One appears to be driven by a computer algorithm that is designed to pull the least expensive comparable vehicles for a valuation report to save insurance companies money.No one should accept their reports at face value as the trim levels and conditions of the vehicles are often wrong or misleading. Insurance companies incorrectly assume CCC One pulled vehicles are in dealer retail condition and correctly identified.CCC one is a shady business utilized by other shady businesses to defraud insurance customers.I would like my report reviewed by CCC One and all inaccuracies corrected by a human being.Initial Complaint
Date:10/26/2022
Type:Service or Repair IssuesStatus:UnansweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
My insurance company (State Farm) is using ccc one as a reference for an evaluation for the fair market value of my totaled vehicle. CCC ONE is not using proper diligence pulling these vehicles. I have a 2007 ****** corolla s standard shift. CCC ONE are pulling vehicles that do not reflect the vehicle trim/condition of my vehicle. My insurance Company has pulled them three times and those three times they have pulled vehicles with lesser trim levels and severe cosmetic damages in order to reduce what is being used as the fair market value. I have pulled several equivalent vehicles myself with equal or similar conditions. I am unhappy with this, it seems that they are purposefully doing this to short the value of my vehicle.
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