Allstate Refusing To Revise Total Loss Valuation After Documented Ccc One Errors — Missouri — Possible Vexatious Refusal?

Location: Missouri

I was involved in a head-on collision in January 2026 caused by an at-fault driver insured by Allstate. My 2010 Nissan Versa S Sedan with a prior salvage title was totaled. Liability was accepted but the valuation process has been a months-long dispute.

The core issue: Allstate used CCC One to generate three separate valuation reports. Each report contained documented errors I raised in writing. Despite this, the offer has barely moved and a supervisor has now stated the valuation "cannot be revised further."

Documented errors across the reports:

• One comp had multiple documented physical defects (scratched paint, cracking interior, water ring on dash, scratched radio and surrounding components, damaged trunk carpet). I raised this in writing with photographic evidence after the first denial. After a second denial I escalated to a supervisor. The supervisor issued a third denial without ever requesting or reviewing my photographic evidence before finalizing the valuation.
• My replacement comp — also a branded title Versa — was never considered in any revised report despite being submitted in writing.
• A $312 private owner condition adjustment was applied uniformly to all three comps without individualized justification.
• The average downward adjustment across all comps is approximately 33%.

What I found independently: I located a dealer listing for a 2011 Nissan Versa S with a salvage title listed at $5,450. Applying Allstate's own documented adjustment rates from their CCC One report (mileage at $0.0074/mile, make/model/trim, and private owner condition) produces an adjusted value of $4,397 for my vehicle. Averaging this with the two legitimate comps from their report produces a mean of $4,186 — $646.50 above their current offer of $3,539.50.

Regarding the clean title baseline: Allstate's own CCC One reports demonstrate that their valuation baseline is a moving target with no clear methodology driving the change. Their first report dated February 3rd stated my vehicle's clean title value as $4,181. Their most recent report dated February 19th states the clean title value as $4,533 — an unexplained increase of $352 in just 16 days with no market event or explanation provided to justify the shift. If the clean title baseline can fluctuate by $352 in 16 days without explanation, the reliability and accuracy of any figure produced by their valuation tool is questionable. Despite this instability in their own baseline the branded title offer has barely moved and the methodology continues to rely on comp selection that does not support their position.

Timeline:

• 40+ days since date of loss
• Liability accepted within 2 weeks
• Three flawed valuation reports
• Written disputes repeatedly ignored across all three reports
• Supervisor was requested prior to any mention of a DOI complaint and was only assigned after I explicitly threatened to file one
• Supervisor issued denial without requesting or reviewing photographic evidence of defective comp
• Supervisor attempted to deflect the claim by suggesting I contact my own insurance carrier to settle at my preferred value and allow them to subrogate against Allstate
• I sent the supervisor a final email stating all the issues with the unfit comp with photo evidence of the vehicles damage.

My questions:

1. Does this pattern constitute vexatious refusal under Missouri RSMo §375.420?
2. Is refusing to review photographic evidence of a defective comp before finalizing a valuation — even at the supervisory level — a failure of reasonable investigation under Missouri law?
3. Should I file the Missouri DOI complaint before or simultaneously with consulting a bad faith attorney?
4. Does the fact that this is a third-party claim (against the at-fault driver's insurer, not my own) affect my vexatious refusal options?
5. Should I request a superior to the supervisor given that the supervisor's review did not address any of my documented errors?

I have everything documented in writing including all three CCC One reports, all email correspondence, and screenshots of the comparable vehicles including the defective one and my replacement comp.

Any guidance appreciated.