Florida · USAA · 2016 Ford F-150 XLT
How a Florida 2016 Ford F-150 XLT valuation changed by $8,850
A Florida driver received an initial USAA total-loss valuation of $14,900 for a 2016 Ford F-150 XLT. After the vehicle, valuation inputs, and market evidence were reviewed, the documented result amount was $23,750—a difference of $8,850.
Case summary
- State
- Florida
- Insurer
- USAA
- Vehicle
- 2016 Ford F-150 XLT
- Insurer's initial valuation
- $14,900
- Documented result amount
- $23,750
- Difference
- +$8,850
What required a closer review
The existing case description identifies stale comparable vehicles as the central problem.
How the valuation was examined
AutoACV documented the subject vehicle's configuration, assembled comparable market evidence appropriate to that configuration, and organized the analysis into a reviewable independent value position.
The documented result
The insurer's initial figure was $14,900. The verified result amount was $23,750, producing a $8,850 difference.
What this case illustrates
A comparable is not useful simply because it shares a model name. It must still be current, available, and sufficiently similar to support the value conclusion.
Disclosure
This case is based on a real AutoACV matter. Identifying details have been removed. Results depend on the vehicle, policy, evidence, market, and claim process; this example does not guarantee a similar outcome.