My own claim · the real documents

State Farm's first offer was $17,262. The value I signed was $29,155.

TL;DR: My 2019 Tesla Model 3 was totaled on December 27, 2025. State Farm's first offer left out Full Self-Driving and used comparables that didn't match my car. I disputed it in writing, and we agreed on $29,155. The real documents are below, in order. Personal details are blacked out. Tap any page to see it full size.

$17,262
First offer, Jan 6, 2026 (after $250 deductible)
$29,155
Agreed value, Feb 20, 2026 (before $250 deductible)

Like for like, before the deductible on both sides: $17,512 became $29,155, which is $11,643 more.

Step 1 · January 6, 2026

The first offer: all 8 pages

State Farm sent a CCC ONE Market Valuation Summary. This is the whole report, page by page.

CCC ONE report summary page showing a total of $17,262.00
Page 1, the summary. Base value $15,982 plus $1,530 for condition = $17,512, minus the $250 deductible = $17,262. This was the offer.
CCC ONE valuation methodology page
Page 2, how CCC values a car: find comparable cars near you, then adjust for options, mileage and condition. The comparables on page 8 drive almost the whole number.
CCC ONE vehicle details page for a 2019 Tesla Model 3 RWD Standard Range Plus
Page 3, vehicle details: 2019 Model 3 RWD, Standard Range Plus. Correct, as far as it goes.
CCC ONE equipment page listing Package 1: Full Self Driving
Page 4, equipment. "Package 1: Full Self Driving" is listed, so the report knew the car had it. No dollar amount for it appears anywhere in the 8 pages.
CCC ONE equipment list, continued
Page 5, the rest of the equipment list. Standard items.
CCC ONE vehicle condition page
Page 6, condition. Most items rated Very Good, which adds money. Seats and carpets rated Good, $0.
CCC ONE condition total of $1,530
Page 7, condition total: +$1,530. This part was not the problem.
CCC ONE comparable vehicles page with two cars from the same dealer
Page 8, the comparables. Just two cars, both from the same dealer, listed at $17,432 and $18,799, then adjusted down to $16,013 and $15,944.
Step 2 · January – February 2026

What was wrong

  • Full Self-Driving was listed but not paid for. Page 4 lists it. No page puts a dollar amount on it. Tesla was charging $8,000 for it at the time.
  • The comparables did not match. Page 8 uses two cars from one dealer. Neither had Full Self-Driving. One had a black interior instead of white; the other was black on black with older Autopilot hardware.
  • Add-ons were ignored. Ceramic coating, chrome delete and tint, all documented, were not counted.

I put this in writing: a dispute letter in January, then a fuller package of comparable cars on February 12. I asked for more than I ended up agreeing to. Two pages from the letter:

Dispute letter page comparing CCC's comparable 1 to my car
My dispute letter, page 3: comparable 1 next to my car. No Full Self-Driving, black interior instead of white, no coating, chrome delete or tint.
Dispute letter replacement cost table
My dispute letter, page 7: what it would cost to replace the car as equipped, line by line, including $8,000 for Full Self-Driving.
Step 3 · February 20, 2026

What I signed

State Farm settlement letter dated February 20, 2026 showing actual cash value of $29,155.00
State Farm's settlement letter, February 20, 2026: actual cash value $29,155.00, plus $25 title transfer = $29,180, less the $250 deductible. The loan payoff line is blacked out because it is private.

State Farm's letter says State Farm and I agreed on the actual cash value of the car:

Actual cash value
$29,155.00
Title transfer
+ $25.00
Subtotal
$29,180.00
Deductible
− $250

Compare that with page 1 of the first offer: $17,512 before the deductible. Same car, same mileage (64,535), same insurer.

One case. Results vary. Not legal advice.

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