How Toogle undervalues claims
Valuation engine: CCC ONE Market Valuation
- Toogle uses CCC ONE through a digital-first claims platform — fast but formulaic offers.
- Toogle rarely deploys in-person adjusters; all condition assessments come from claimant photos.
- Toogle frequently undervalues vehicles with aftermarket upgrades or non-stock trims.
- Independent appraisals with local dealer comps consistently improve Toogle settlements.
Hawaii laws on your side
Appraisal clause
Hawaii auto policies include a binding appraisal clause.
Sales tax & title fees
Insurers must include applicable GET and title fees in the total-loss settlement.
Diminished value
Diminished-value claims depend on policy form and judicial precedent.
Statute reference
Haw. Rev. Stat. §431:13-103 (Unfair Practices).
How Toogle calculates ACV in Hawaii
In Hawaii, Toogle runs every total-loss valuation through CCC ONE Market Valuation. The system pulls roughly 10 "comparable" listings within a 110-mile radius of your ZIP code, then applies a base value before stacking deductions. For Hawaii claims, Toogle adjusters tend to subtract $1,500–$2,200 as a "condition adjustment" based on photos rather than an in-person inspection, and they almost always omit factory option packages (navigation, premium audio, tow package, advanced safety) that boost ACV in the Hawaii private-party market. Insurers must include applicable GET and title fees in the total-loss settlement, but Toogle's first offer in Hawaii frequently leaves that line item blank until you push back. The comp radius, the condition deduction, and the option-package omission are the three places where Hawaii drivers consistently recover thousands once an independent appraiser re-runs the numbers.
Hawaii case study: +$4,680 on a 2022 Honda CR-V
A metro Hawaii client came to us after Toogle offered $12,000 on a 2022 Honda CR-V totaled in a rear-end collision. The CCC ONE Market Valuation report pulled comps from outside the local market and missed two factory option packages. We rebuilt the valuation using Hawaii-specific dealer asking prices, corrected the mileage adjustment, and added the omitted options. Toogle revised the offer to $16,680 — a $4,680 increase — within 10 days, without invoking the appraisal clause. Representative example; outcomes vary by VIN, condition, and policy language in Hawaii.
Case details have been generalized to protect client privacy.