If my car is totaled, how does USAA determine the actual cash value of my vehicle?

How does USAA determine the actual cash value of a vehicle? My car was totaled by another driver, but I have full coverage through USAA. I've heard that USAA will give me the cash value of my vehicle, but then I'm still on the hook for any remaining balance on my loan.

Answer provided by
Eric Schad
Answered on Jul 16, 2021
USAA uses a third-party database tool known as CCC One to determine the actual cash value (ACV) of your car.
USAA inputs information about your car, like the:
  • make
  • model
  • mileage
This tool provides an actual cash value, which is the amount on the check you’ll receive from them.
You’re right, though. If this amount is lower than what you owe on the car, you’ll have to pay the difference.
In this case, you might want to think about gap insurance, which will pay the difference between the ACV and the loan balance.”

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