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.
North Dakota laws on your side
Appraisal clause
North Dakota auto policies include the binding appraisal clause.
Sales tax & title fees
Insurers must include the 5% MVET and title fees in the settlement.
Diminished value
ND permits DV claims in limited circumstances.
Statute reference
N.D. Admin. Code 45-04-09 (Unfair Claims Practices).
How Toogle calculates ACV in North Dakota
In North Dakota, Toogle runs every total-loss valuation through CCC ONE Market Valuation. The system pulls roughly 7 "comparable" listings within a 155-mile radius of your ZIP code, then applies a base value before stacking deductions. For North Dakota claims, Toogle adjusters tend to subtract $600–$1,300 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 North Dakota private-party market. Insurers must include the 5% MVET and title fees in the settlement, but Toogle's first offer in North Dakota 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 North Dakota drivers consistently recover thousands once an independent appraiser re-runs the numbers.
North Dakota case study: +$3,360 on a 2021 Hyundai Tucson
A metro North Dakota client came to us after Toogle offered $16,750 on a 2021 Hyundai Tucson 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 North Dakota-specific dealer asking prices, corrected the mileage adjustment, and added the omitted options. Toogle revised the offer to $20,110 — a $3,360 increase — within 17 days, without invoking the appraisal clause. Representative example; outcomes vary by VIN, condition, and policy language in North Dakota.
Case details have been generalized to protect client privacy.