CCC One Liberty Mutual Insurance total loss valuation VA Virginia

Liberty Mutual uses CCC One to value total losses -

sent to a body shop to estimate damage to rear-ended vehicle

estimator uses CCC One estimation software - 

puts in the VIN and it populates the options 

determined it was a total loss (frame bent) - no disagreement there

then CCC one provides to the insurance company "comparables" and shows their options

My case - 2011 Honda CRV EX-L - in "normal" wear except leather seats in "dealer ready"

First 3 comparables were local vehicles "inspected" by CCC - all 2011 CRV EX-Ls

with VIN numbers shown

The listing of "options" said that they had CD players as well as the CD changer/stacker -

whereas I had only the CD changer/stacker (again this was populated by the CCC one

estimation software from the VIN)

Also the 3 comps were said to have rear side impact airbags besides the head/curtain air bags

while my vehicle was marked as not having the rear side impact airbags.

I questioned the insurance agent on these items and she said the VIN told them those things.

Although the comparables were dated several months ago, I visited the dealership listed for

"comp 1" and talked to the salesman who said he thought he was the one who sold it.  I showed

him the comparison sheet and he agreed there should not have been any differences. 

Later I was at a Honda dealership and had the Parts Dept guy look up my vehicle's build via the VIN, and the 

same for "comp 1" - he confirmed that the "comp 1" was equipped EXACTLY the same as mine.

Those 2 items were a $150 "options" downgrade for me. 

I presented this info to the insurance agent and she added that $150 to the settlement offer. 

(Yes, I have read all the ways that they lowball the settlement amounts -

including pushing you on the length of time they will pay for the rental - but

they did get within about $500 of what it cost me for an identical vehicle replacement).

Complaint is that on the Valuation Report, CCC One added options that were NOT there.