I am having the same experience with USAA with CCC ONE evaluation of my car, a 2013 Ford CMAX SE. I have been told by USAA that they do not pay for the profit when a Car Dealer sells the car. USAA when asked to substantiate the profits on these cars that CCC ONE used for determining the value basis for my car they refused. They devalue my car for its condition. Of course this is after the accident and then the devalued values are very high. Case in point is CCC ONE appraisers observation of slightly discolored transmission fluid reduced the value of my car estimate by $593. Ford recommends to change the transmission fluid at 150000 miles. My car had 100,215 miles. I submitted advertised same year and model that were for sale and sold within a month of my car accident that were significantly higher in value. USAA nor CCC ONE considered this data. I totally agree with the author of this document that the CCC ONE does not evaluate cars reasonably and USAA supports totally their evaluation. I agree with the authors recommendation of not using any insurance company using CCC ONE to evaluate car values.