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.
Maine laws on your side
Appraisal clause
Maine auto policies include the binding appraisal clause.
Sales tax & title fees
Insurers must include the 5.5% state sales tax and title fees in the settlement.
Diminished value
Diminished-value claim availability depends on policy form and case law.
Statute reference
Me. Rev. Stat. tit. 24-A §2436 (Unfair Practices).
How Toogle calculates ACV in Maine
In Maine, Toogle runs every total-loss valuation through CCC ONE Market Valuation. The system pulls roughly 11 "comparable" listings within a 125-mile radius of your ZIP code, then applies a base value before stacking deductions. For Maine claims, Toogle adjusters tend to subtract $1,600–$2,300 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 Maine private-party market. Insurers must include the 5, but Toogle's first offer in Maine 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 Maine drivers consistently recover thousands once an independent appraiser re-runs the numbers.
Maine case study: +$2,400 on a 2018 Jeep Grand Cherokee
A metro Maine client came to us after Toogle offered $12,250 on a 2018 Jeep Grand Cherokee 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 Maine-specific dealer asking prices, corrected the mileage adjustment, and added the omitted options. Toogle revised the offer to $14,650 — a $2,400 increase — within 21 days, without invoking the appraisal clause. Representative example; outcomes vary by VIN, condition, and policy language in Maine.
Case details have been generalized to protect client privacy.