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                UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 10-K

                  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934

                   FOR THE FISCAL YEAR ENDED DECEMBER 31, 2002

                        Commission File Number: 000-28600

                       CCC INFORMATION SERVICES GROUP INC.
             (Exact name of registrant as specified in its charter)

              DELAWARE                               54-1242469
   (State or other jurisdiction of                (I.R.S. Employer
    incorporation or organization)              Identification Number)

                           WORLD TRADE CENTER CHICAGO
                 444 MERCHANDISE MART, CHICAGO, ILLINOIS  60654
          (Address of principal executive offices, including zip code)

               REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE:
                                 (312) 222-4636

           SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT:
                                      NONE

           SECURITIES REGISTERED PURSUANT TO SECTION 12(G) OF THE ACT:
                          Common Stock, $0.10 par value

     Indicate  by  check  mark  whether the registrant (1) has filed all reports
required  to  be  filed by Section 13 or 15(d) of the Securities Exchange Act of
1934  during  the  preceding  12  months  (or  for  such shorter period that the
registrant  was required to file such reports), and (2) has been subject to such
filing  requirements  for  the  past  90  days.  Yes  [X]  No  [ ]

     Indicate  by check mark if disclosure of delinquent filers pursuant to Item
405 of Regulation S-K is not contained herein, and will not be contained, to the
best  of  the  registrant's  knowledge,   in  definitive  proxy  or  information
statements  incorporated  by  reference  in  Part  III  of this Form 10-K or any
amendment  to  this  Form  10-K.  [ ]

     Indicate  by  check mark whether the registrant is an accelerated filer (as
defined  in  Rule  12b-2  of  the  Act).  Yes  [X]  No  [ ]

     As of June 28, 2002, the aggregate market value of the registrant's  common
stock  held  by  non-affiliates  was  approximately $117,379,626, based upon the
closing  sales  price  of the registrant's common stock on  NASDAQ on such date.
For  purposes of this calculation, all directors, executive officers and holders
of  more  than  5%  of the registrant's outstanding common stock as of such date
were  deemed  to  be  "affiliates"  of  the  registrant.

     As  of  March  7, 2003, 26,202,116 shares of the registrant's common stock,
par  value  $0.10  per  share,  were  outstanding.

                       DOCUMENTS INCORPORATED BY REFERENCE

     Part  III  of  this  Annual  Report  on Form 10-K incorporates by reference
portions  of  the registrant's Notice of 2003 Annual Meeting of Stockholders and
Proxy  Statement.

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              CCC INFORMATION SERVICES GROUP INC. AND SUBSIDIARIES
                           ANNUAL REPORT ON FORM 10-K
                  FOR THE FISCAL YEAR ENDED DECEMBER 31, 2002
                                TABLE OF CONTENTS

                                                                            Page
                                                                            ----
                                     PART I

Item 1.  Business                                                             1
          Organization                                                        1
          Products and Services                                               2
          Sales and Marketing                                                 5
          Training and Support                                                5
          Customers                                                           5
          ChoiceParts Joint Venture                                           6
          Intellectual Property and Licenses                                  6
          Competition                                                         7
          Regulation                                                          7
          Research and Development                                            8
          Certain Risks Related to our Business                               8
Item 2.  Properties                                                          11
Item 3.  Legal Proceedings                                                   11
Item 4.  Submission Matters to a Vote of Security Holders                    11

                                    PART II

Item 5.  Market for Registrant's Common Equity and Related Stockholder
              Matters                                                        11
Item 6.  Selected Financial Data                                             12
Item 7.  Management's Discussion and Analysis of Financial Condition and
              Results of Operations                                          13
Item 7A. Quantitative and Qualitative Disclosure About Market Risk           25
Item 8.  Financial Statements and Supplementary Data                         25
Item 9.  Changes in and Disagreements with Accountants on Accounting and
              Financial Disclosure                                           25

                                    PART III

Item 10. Directors and Executive Officers of the Registrant                  25
Item 11. Executive Compensation                                              25
Item 12. Security Ownership of Certain Beneficial Owners and Management      26
Item 13. Certain Relationships and Related Transactions                      26
Item 14. Controls and Procedures                                             26

                                    PART IV

Item 15. Exhibits, Financial Statement Schedules and Reports on Form 8-K     27

Signatures                                                                   63

Certifications                                                               64

Directors and Executive Officers                                             68

Corporate Information                                                        69
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FORWARD-LOOKING STATEMENTS

     In  addition  to historical facts or statements of current conditions, this
Annual  Report  on  Form 10-K for the year ended December 31, 2002 ("Form 10-K")
contains  forward-looking  statements.  Forward-looking  statements  provide our
current expectations or forecasts of future events. These may include statements
regarding  market prospects of our products, sales and earnings projections, and
other  statements regarding matters that are not historical facts. Some of these
forward-looking  statements  may  be  identified  by  the  use  of  words in the
statements  such  as  "anticipate,"  "estimate,"  "expect," "project," "intend,"
"plan,"  "believe," or other words and terms of similar meaning. Our performance
and  financial  results  could  differ  materially from those reflected in these
forward-looking  statements  due  to general financial, economic, regulatory and
political  conditions affecting the technology industry as well as more specific
risks  and  uncertainties  such  as  those set forth elsewhere in the Form 10-K.
Given  these  risks  and  uncertainties,  any  or  all  of these forward-looking
statements may prove to be incorrect. Therefore, you should not rely on any such
forward-looking statements. Furthermore, we do not intend, nor are we obligated,
to  update publicly any forward-looking statements. Risks that we anticipate are
discussed  in  more  detail in the section entitled "Management's Discussion and
Analysis  of  Financial  Condition  and  Results  of  Operations - Certain Risks
Related to Our Business." This discussion is permitted by the Private Securities
Litigation  Reform  Act  of  1995.

                                     PART I

ITEM 1. BUSINESS
                                  ORGANIZATION

     CCC  Information  Services Group Inc. ("CCCG"), incorporated in Delaware in
1983  and headquartered in Chicago, Illinois, is a holding company that operates
through  its  wholly  owned subsidiary, CCC Information Services Inc. ("CCC" and
together  with  CCCG,  collectively  referred to as the "Company" or "we"). As a
result  of  consolidating,  divesting  and  winding down certain operations, the
Company  now  operates  in  one  business  segment.  We  employed  834 full-time
employees  at December 31, 2002, compared to 862 at the end of 2001. We automate
the  process  of  evaluating  and  settling  automobile claims, which allows our
customers to integrate estimate information, labor time and cost, recycled parts
and  various other calculations derived from our extensive databases, electronic
images,  documents  and related information into organized electronic workfiles.
We  develop,  market  and  supply  a  variety  of  automobile claim products and
services  which  enable  customers  in the automobile claims industry, including
automobile   insurance   companies,  collision  repair  facilities,  independent
appraisers  and  automobile  dealers  to manage the automobile claim and vehicle
restoration  process.

     Our  principal  products  and  services  are  Pathways collision estimating
software,  which  provide  our  customers  with  access  to  various  automobile
information  databases  and  claims management software and Total Loss valuation
services.    Revenues   from   our   Pathways   collision   estimating  software
represented  60.6%,  58.3%  and 55.6% of our consolidated revenues for the years
ended  December  31, 2002, 2001 and 2000, respectively.  Revenues from our Total
Loss  valuation  services represented 23.7%, 25.5% and 26.7% of our consolidated
revenues  for  the  years  ended December 31, 2002, 2001 and 2000, respectively.

     As  of  December  31,  2002, White River Ventures Inc. ("White River") held
approximately  33%  of  our  outstanding common stock. In June 1998, White River
Corporation,  the  sole  shareholder  of  White  River,  was acquired by Demeter
Holdings Corporation, which is solely controlled by the President and Fellows of
Harvard  College,  a  Massachusetts  educational  corporation  and title-holding
company  for  the  endowment  fund  of  Harvard  University. Charlesbank Capital
Partners  LLC serves as the investment manager with respect to the investment of
White  River  in  the  Company.

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     Our  principal  executive  office is located at World Trade Center Chicago,
444  Merchandise  Mart,  Chicago, Illinois, 60654. Our telephone number is (312)
222-4636  and  our  Internet home page is located at www.cccis.com; however, the
information  in,  or  that can be accessed through, our home page is not part of
this  report.  Our  annual reports on Form 10-K, quarterly reports on Form 10-Q,
current  reports  on  Form  8-K  and  amendments  to  such  reports, if any, are
available  free  of  charge,  on  our  Internet  home page as soon as reasonably
practicable  after  we electronically file such material with, or furnish it to,
the  Securities  Exchange  Commission  (the  "SEC").

                              PRODUCTS AND SERVICES
OVERVIEW

     Our  products  and  services include Pathways collision estimating software
and  appraisal  solution  products,  and Total Loss valuation services, workflow
products  and  information  services  products.  CCC  has long been a leader and
innovator  in  the automotive claims and collision repair market. Our Total Loss
product  is  an  established  market  leader.  The Pathways collision estimating
product today has over 25,600 insurance and repair-facility installations in the
U.S.  We   have   also  pioneered  value-added  network  communications  between
industries  involved in claims settlement and today our EZNet network handles an
average  of  over  1  million  claims-related transactions each business day. We
continue  to  seek  products  and services to anticipate and respond to changing
demands  in  the  auto-claims  industry.

PATHWAYS

     Pathways  collision  estimating  software,  now  referred  to  as  Pathways
Appraisal  Solution (for insurance customers), Pathways Estimating Solution (for
repair  facility  customers),  and  Pathways Independent Appraiser Solution (for
independent  appraisers)  helps automobile insurance companies, collision repair
facilities  and  independent  appraisers  manage  aspects  of  their  day-to-day
automobile  claim  activities, including receipt of new assignments, preparation
of  estimates, communication of status and completed activity and maintenance of
notes and reports. The Pathways platform allows customers to integrate our other
services,  including  our  Digital  Imaging product, Recycled Parts Services and
Total Loss valuation services, in order to organize individual claim information
in  electronic  workfiles,  which  can  be  stored  on  our EZNet communications
network,  described  in  greater  detail  later  in this section under "Workflow
Products."  We  have received three United States patents for our Pathways line.
Pathways  collision  estimating  software  can  be  used  on  laptops or desktop
computers.

     Pathways  gives  customers  access  to  the MOTOR Crash Estimating Guide, a
comprehensive estimating guide, prepared by Motor Information Systems, a unit of
Hearst  Business  Publishing, Inc. ("Hearst"), which provides pricing, labor and
refinishing  information  for original equipment manufactured parts and recycled
assemblies.  We  use  this  guide to create a database of parts, price and labor
time for various repairs. An exclusive license from Hearst permits us to publish
this  guide electronically, which is an integral component of Pathways. In March
2002,  we extended the term of this exclusive license with Hearst until June 30,
2021.  For more information about this license, please see the description under
"Intellectual  Property  and  Licenses."

     Customers  also  use  Pathways  to access databases of information gathered
from  various  vendors. The databases included in Pathways include one database,
which  compiles data from over 850 sources, on local part availability and price
information  on aftermarket and reconditioned parts, and another database, which
includes information on pricing and availability of over 12,000 tire models from
26  different  manufacturers.  Customers  using  Pathways  with  Recycled  Parts
Services  also  have  access to a database that provides local part availability
and  price  information  on over 15 million available recycled or salvage parts.
For  example, a customer may access the database of recycled or salvage parts to
determine  if a specific recycled part is available from an identified vendor in
his region and to ascertain the price of that part. If the customer selects that
part  for  use  in  the repair process, Pathways integrates that choice into the
estimate  workfile.

                                        2
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     Recycled  Parts  Services is sold to our customers on a subscription and/or
per  transaction  basis  under  multi-year  agreements.

     We  update  the  MOTOR  Crash  Estimating  Guide  and  the other integrated
databases used by Pathways for our customers monthly via a CD-ROM except for the
Recycled  Parts  database,  which  the  vendor  updates  electronically.

     We  sell  Pathways  to  automobile  insurance  companies,  collision repair
facilities  and  independent  appraisers  under  multi-year  contracts  and bill
customers  on  a  monthly  subscription  basis  one  month  in  advance.

     PATHWAYS DIGITAL IMAGING.   Imaging integration allows automobile insurance
companies,  collision  repair facilities and independent appraisers to digitally
photograph  and  transmit  images  of  damaged vehicles to the Pathways estimate
workfile.  These  electronic images can be accessed by an authorized participant
in  the  automobile  claim  process  at  any  time and from any location that is
web-enabled.  For  example,  an  adjuster  in  the field in California may add a
digital  image  of a damaged vehicle to the Pathways estimate workfile using the
integrated  imaging  function.  The  estimate  can  then  be stored on our EZNet
communications  network, which allows an insurance company representative in New
York  to  access  the  same  workfile and digital image, review the estimate and
approve  the  claim.  Our  EZNet  communications network is described in greater
detail  later  in  this  section  under  "Workflow  Products."  Pathways Digital
Imaging  reduces  the  need  for  onsite  inspections and eliminates film, photo
processing,  travel  and  overnight  delivery  costs.

     We  sell  Digital  Imaging  to our customers under multi-year contracts and
bill  our  customers  on  a  monthly  subscription  basis  one month in advance.

TOTAL LOSS VALUATION SERVICES

     TOTAL  LOSS.  Our Total Loss valuation service, effective February 23, 2003
referred to  as  CCC  VALUESCOPE CLAIM SERVICES, is used primarily by automobile
insurance  companies  in  processing  claims  involving  vehicles that have been
heavily  damaged or stolen. Typically, when the cost to repair a vehicle exceeds
70% to 90% of the vehicle's value, the automobile insurance company will declare
that  vehicle  to  be a "total loss." In such cases, we provide the insurer with
the  local  market  value of the vehicle to assist the insurer in processing the
claim.  Our  values  are based on local market data that identifies the specific
location  and  price  of  comparable   vehicles.   To  compile  this  data,  CCC
representatives  survey  over  3,950 car dealerships in more than 250 markets at
least  twice  each  month  to obtain detailed information on the vehicles on the
dealers'  used  car  lots.  In  addition,  we subscribe to more than 1,800 local
newspapers  and  other  publications  and  cull  information from the classified
advertisements  to  provide  additional  information on vehicle availability and
pricing.  We  believe  our  Total  Loss  database  is among the most current and
comprehensive vehicle databases in North America. Each Total Loss valuation also
includes a vehicle identification search under VINguard, which matches a current
vehicle  claim  against our database of previously totaled or stolen vehicles to
identify  potential  duplication  or  possible  fraud.

     Customers  of  Total Loss who are also customers of Pathways may access the
Total  Loss  program  electronically using Pathways software. Customers may also
obtain  Total  Loss  valuations  from  us  by telephone, email or facsimile. Our
TL2000  Solution  allows  customers  to submit Total Loss valuation requests and
retrieve  Total  Loss valuation reports through the Internet via secured access.
In  addition, our customers' insureds and claimants can access their own vehicle
valuation reports via the Internet. Customers may store Total Loss valuations on
our  EZNet  communications  network  as  part  of  a  claims  workfile.

     TOTAL  LOSS  ADVANTAGE.  Total Loss Advantage permits customers who are not
users  of  our  Pathways  collision  estimating  software  to  submit Total Loss
valuation  requests  electronically to us.  Our Total Loss valuation service can
also  be accessed through Pathways, Total Loss Advantage telephone, facsimile or
the  Internet.

     COMMERCIAL  AND RECREATIONAL VEHICLE VALUATION SERVICES ("CRV"). CRV is the
Company's Total Loss valuation service for commercial and recreational vehicles.
CRV  provides valuations for specialty vehicles including trucks, semi-trailers,
marine  craft,  motorcycles,  recreational  vehicles and pre-fabricated housing.

                                        3
<PAGE>
     We  sell  Total  Loss  and  CRV  to  our customers, including those who are
Pathways  customers,  on  a  per  transaction  basis under multi-year contracts.
Customers  are  billed  in  the  month  following  the  transaction.

WORKFLOW PRODUCTS

     EZNET COMMUNICATIONS NETWORK.  Our EZNet communications network is a secure
network  that  allows  clients  to  communicate  estimates and claim information
electronically.  Our  customers  can  access  EZNet  in  various ways, including
dedicated  data  lines  and/or  telephone  lines  via  modems.  We offer various
services  such  as  dispatch  of assignment information, estimate and supplement
retrieval  and  electronic review of automobile appraisals to our customers that
are  provided  over  our EZNet communications network, all of which comprise our
Electronic   Direct   Repair   services.   The   network   allows  customers  to
electronically communicate claim information, including assignments, work files,
estimates,  images and auditable estimate data, internally and among appraisers,
collision  repair  facilities,  reinspectors  and  other parties involved in the
automobile  claims  process.  EZNet  allows  customers  to share information and
review  claims,  regardless  of  the  location. EZNet provides customers with an
electronic  library  to  catalog,  organize  and  store  completed claims files.

     When  a customer completes an estimate, the customer may store the estimate
information  on  our EZNet communications network in the electronic library. For
example,  a  remote  claims  adjuster  in New York may prepare an estimate using
Pathways  collision  estimating  software  and  store  the completed estimate on
EZNet.  EZNet  then  allows  the  adjuster's supervisor and other members of his
company's  automobile  claim  team  in  California  to  access the estimate on a
confidential  basis  using  a  claim  reference  number.

     We sell EZNet services to our customers under multi-year contracts and bill
customers  on  a per transaction basis. Customers are billed at the beginning of
the  month  following  the  transactions.

     PATHWAYS  APPRAISAL  QUALITY SOLUTION.  Pathways Appraisal Quality Solution
(QAAR Plus) allows for electronic audits of automobile repair estimates prepared
by direct repair facilities, independent appraisers and internal insurance staff
for  quality  control  and  for  identification  and  correction  of  errors  or
discrepancies  prior  to  the  completion  of  repairs.  In  addition,  Pathways
Appraisal  Quality  Solution  allows  automobile  insurance  companies  to   use
available  historical data to track the performance of appraisers and provides a
mechanism   to  establish  and  monitor  compliance  with  certain  reinspection
objectives  developed by the automobile insurance company. For example, Pathways
Appraisal  Quality  Solution  allows  an  insurance company to establish certain
criteria  for reviewing the preparation of estimates, which allows the insurance
company  to  determine  if  an  appraiser  prepared  an  accurate  estimate.

     We  sell  Pathways  Appraisal  Quality  Solution  to our customers on a per
transaction  basis  under  multi-year  agreements.  Customers  are billed at the
beginning  of  the  month  following  the  transactions.

     CCC  AUTOVERSE. During the third quarter of 2002, we launched CCC Autoverse
Claim  Management  (for insurance customers) and CCC Autoverse Repair Management
(for  multiple  location  repair  facilities),  both of which are web-based open
workflow  solutions  that  allow  for the exchange of claims information derived
from using Pathways products as well as established collision estimating systems
that  meet  the Collision Industry Electronic Commerce Association EMS standard.
In January 2003, we released version 2.1 of CCC Autoverse. CCC Autoverse permits
the  free-flow  of  communication  between  those who write damage estimates and
insurers,  who  process  claims.

     We sell CCC Autoverse products to our customers on a per transaction basis.
Customers  are  billed at the beginning of the month following the transactions.

                                        4
<PAGE>
INFORMATION SERVICES PRODUCTS

     CLAIMSCOPE  NAVIGATOR.  ClaimScope  Navigator  is  our  on-line,  web-based
information  service  that  provides a comprehensive method to create management
reports comparing industry and company performance using Pathways and Total Loss
data. ClaimScope Navigator permits our customers to conduct in-depth analyses of
claim  information by parts and labor usage, cycle time measurements and vehicle
type  and  condition.  In  January  2002,  we released ClaimScope Navigator 2.0,
which  introduced  significant  enhancements  and  added  Total  Loss  data.

     We  sell  our  ClaimScope  Navigator  service on a subscription basis under
multi-year  agreements,  which  are  billed  to  customers one month in advance.

OTHER PRODUCTS AND SERVICES

     PATHWAYS ENTERPRISE SOLUTION AND PATHWAYS PROFESSIONAL ADVANTAGE.  Pathways
Enterprise  Solution is an automotive repair shop management software system for
multiple  location  collision  repair  facilities  that  allows  them  to manage
accounts,  prepare  employee  schedules  and  perform  various  other management
functions.  Pathways  Professional  Advantage,  similar  to  Pathways Enterprise
Solution,  is  a  shop  management  software system for a single store location.

     We sell Pathways Professional Advantage and Pathways Enterprise Solution to
our  customers  under  multi-year  contracts  and  bill  customers  on a monthly
subscription  basis  one  month  in  advance.

                               SALES AND MARKETING

     All  of  our  services are currently sold throughout the United States. Our
sales  and  marketing  strategy is to strengthen our relationships with existing
customers  and  to  expand  our  current  customer  base by providing efficient,
integrated  and  value-added  services  in  the  automobile  claims industry. We
utilize  approximately  186  sales  and  service  professionals  to  market  and
implement  our  services.

                              TRAINING AND SUPPORT

     Our  training  and  support  staff,  which  consists  of  approximately  96
employees,  provides  basic  training  in  the field, advanced training courses,
telephonic  technical  support  and  implementation  services.  Our training and
support staff consists of individuals with technical knowledge relating not only
to  CCC software and services, operating systems and network communications, but
also  to  new  and  used  automobile  markets and collision repair. We routinely
analyze  customer  calls to modify services or training and, whenever necessary,
will  dispatch  a  field  representative  to  a  customer's  location.

                                    CUSTOMERS

     We  provide  our  services  primarily to automobile insurance companies and
collision repair facilities. Our insurance company customers include most of the
largest  U.S. automobile insurance companies and small to medium size automobile
insurance  companies serving regional or local markets. Our automotive collision
repair  customers  include  approximately  15,300  collision  repair facilities,
located  in  all 50 states, including most major metropolitan markets.  In 2002,
our  insurance  customer base consisted of approximately 666 Total Loss services
customers and 658 Pathways customers, as well as 138 customers for both Pathways
Enterprise  Solution and Pathways Professional Advantage. We charge fees for our
services  based  on either a monthly subscription or a per transaction basis. No
single customer accounted for more than 6.4% of our total revenues in any of the
last  three  fiscal  years.

                                        5
<PAGE>
                            CHOICEPARTS JOINT VENTURE

     On  May  4,  2000,  we  formed  a new independent company, ChoiceParts, LLC
("ChoiceParts")  with  Automatic  Data Processing, Inc. ("ADP") and The Reynolds
and  Reynolds  Company  ("Reynolds").  ChoiceParts  develops  and  operates  an
electronic  parts  exchange  for  the auto parts marketplace for franchised auto
retailers,  collision  repair  facilities  and  other parts suppliers. We have a
27.5%  equity  interest  in ChoiceParts. See Note 5, "Investment in ChoiceParts,
LLC"  for  additional  information.

                       INTELLECTUAL PROPERTY AND LICENSES

     Our  competitive advantage depends upon our proprietary technology. We rely
primarily  on  a  combination of patents, contracts, intellectual property laws,
confidentiality  agreements  and  software  security  measures  to  protect  our
proprietary rights. We distribute our services under written license agreements,
which  grant  our customers a license to use our services and contain provisions
to  protect  our ownership and the confidentiality of the underlying technology.
We  also  require  all  of  our  employees  and other parties with access to our
confidential  information to sign agreements prohibiting the unauthorized use or
disclosure  of  our  technology.

     We  have  trademarked  virtually all of our products and services, which we
use  in the advertising and marketing of our products and services. Pathways and
CCC  are  well-known  marks within the automobile insurance and collision repair
industries.  We  have patents for our collision estimating service pertaining to
the  comparison  and  analysis  of the "repair or replace" and the "new or used"
parts  decisions.  In  1999,  we  received  a patent for the Pathways method for
managing  insurance  claim  processing. Although we do not have a patent for the
Total  Loss  calculation process, the processes involved in this program are our
trade  secrets  and  are  essential  to  our  Total Loss business. Despite these
precautions,  we  believe that existing laws provide only limited protection for
our technology. A third party may misappropriate our technology or independently
develop  similar  technology. Additionally, it is possible other companies could
successfully challenge the validity or scope of our patents and that our patents
may  not  provide  a  competitive  advantage  to  us.

     We  license certain data used in our services from third parties to whom we
pay  royalties.  With  the exception of the MOTOR Crash Estimating Guide that we
license  from  a  division  of  Hearst,  we do not believe that our services are
significantly  dependent  upon  licensed data that cannot be obtained from other
vendors. Although we have licensed the estimating guide from Hearst through June
30,  2021,  we  do not have access to an alternative database that would provide
comparable  information  in  the  event  the  license  is terminated. Hearst may
terminate  the license if any of the following events occur: (1) we fail to make
payment  of  license  fees, royalties and other charges due under the agreement;
(2)  we  do  not comply with the material terms and conditions of the agreement;
(3) we become bankrupt or insolvent and we are unable to perform our obligations
under  the  agreement;  or (4) upon two years' notice, if Hearst discontinues or
abandons  publication  of  the  estimating  guide.

     Any interruption of our access to the MOTOR Crash Estimating Guide provided
by  a  division  of Hearst could have a material adverse effect on our business,
financial  condition  and  results  of  operations.

     In  addition,  we  license data used in the Recycled Parts database, and in
June  2002,  we  entered  into  a  data  supply agreement with a new provider of
recycled  parts  data,  Car-Part.com. Any interruption of our access to the data
contained in the Recycled Parts database could have a material adverse effect on
our  business.

     We are not engaged in any material disputes with other parties with respect
to the ownership or use of our proprietary technology. We cannot assure you that
other  parties  will not assert technology infringement claims against us in the
future.  Defending any such claim may involve significant expense and management
time.  In  addition,  if any such claim were successful, we could be required to
pay monetary damages, refrain from distributing the infringing product or obtain
a  license  from  the  party  asserting the claim, which may not be available on
commercially  reasonable  terms.

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<PAGE>
                                   COMPETITION

     The  industry  in which we participate is highly competitive. We compete by
offering  value  added  products  and services that we believe are unique and by
providing  superior  customer  service  for  these  solutions. Historically, our
principal  competitors  have  included  the  Claims  Services  Group  of ADP and
Mitchell  International  Inc.  ("Mitchell").  The  Claims  Services Group of ADP
offers  a  collision  estimating, digital imaging system and a vehicle valuation
service  to  the  automobile  insurance  industry and a collision estimating and
digital  imaging  system  and  a  shop management system to the collision repair
industry. Mitchell  publishes crash guides for both the automobile insurance and
collision  repair  industries  and markets collision estimating, shop management
and  imaging  products.  In  addition,  over  the  past  few years we have faced
competition  from  several new companies, many of which focus on the delivery of
services over the Internet.  Over the past few years, we have experienced steady
competitive  price  pressure.

     We  intend  to  address  competitive  price  pressures  by providing higher
quality  value-added solutions and services that offer more advanced features to
our  clients. We also intend to continue to develop unified, user-friendly claim
services  that  incorporate  our comprehensive proprietary inventory of data. We
expect that Pathways will continue to provide a unique service for our insurance
and  collision  repair customers and allow us to effectively address competitive
price  pressures.

     At  times,  insurance companies have entered into agreements with companies
(including  ADP,  Mitchell and CCC) that provide that the insurance company will
either  use  the product or service of that company exclusively or designate the
company  as  its preferred provider of that product or service. If the agreement
is  exclusive,  the insurance company requires that collision repair facilities,
independent  appraisers  and  regional  offices  use  the  particular product or
service.  If  the  company  is simply a preferred provider, the collision repair
facilities,  independent  appraisers  and regional offices are encouraged to use
one  of  the  approved  products,  but  may choose any other vendor's product or
service. Being included on the approved list of an insurance company or having a
product  that  is  endorsed  by the insurance company provides certain benefits,
including  immediate customer availability and an advantage over competitors who
may  not have such approval. To the extent an insurance company has endorsed ADP
or  Mitchell,  but  not  us,  we  will  experience  a  competitive disadvantage.

                                   REGULATION

     The  Company's  insurance  company  customers  are  subject  to  laws  and
regulation  by  individual  state insurance regulatory agencies. In many states,
those  agencies  have  promulgated regulations governing the settlement of total
loss  insurance  claims,  and  the  Company monitors these regulations and their
impact  on our Total Loss valuation service. A large portion of the revenue from
our  Total  Loss  valuation service during the year ended December 31, 2002 came
from  those  states  with  the  largest  number  of registered vehicles, such as
California, Florida, Illinois, New York, Pennsylvania, Ohio, New Jersey, Georgia
and  Texas,  with no specific state accounting for more than approximately 17.5%
of  the  Company's  volume  for  Total  Loss.

     The  Company's Total Loss valuation service has been expressly approved for
use  by  regulators  in  several  states.  In  most  states,  there is no formal
approval process for total loss valuation products, but the Company's Total Loss
product  is  indirectly  affected by the actions of insurance regulators because
the  Company's  customers  are  subject  to  regulation.

     Periodically,  the  Company  or  its customers receive inquiries from state
insurance  regulators  regarding  various  aspects  of  the Company's Total Loss
valuation service. Most such inquiries are of a routine nature and are addressed
in the ordinary course. However, from time to time, individual state Departments
Of  Insurance  have  taken  positions  as  to  whether the use of the Total Loss
service  produces  valuations  is  in  compliance  with a state's claim handling
regulations.

                                        7
<PAGE>
     The  Company  recently  learned that the California Department of Insurance
has  advised  some  of the Company's customers (which management estimates to be
approximately  10.5%  of that product's total revenue earned in 2002) that their
use  of  our  Total  Loss  valuation  product  has  not  been in compliance with
applicable  California  insurance  regulations  with  respect  to  a  particular
component of the product's methodology. The Company believes the product is, and
has  been,  in  compliance with the current California regulations. In addition,
the  California  Department of Insurance has proposed new regulations, which, if
enacted, would require the Company to change its methodology for computing Total
Loss  valuations  in  California.  Nevertheless,  the  Company believes that the
methodology  employed  by  its  Total  Loss  product  can be revised to meet any
methodology  or  deadlines  imposed  by  the  new  California  regulations.

                            RESEARCH AND DEVELOPMENT

     For  the  years  2002,  2001  and 2000 we incurred research and development
costs  of  $7.6  million,  $13.0  million  and  $11.1  million,  respectively.

                      CERTAIN RISKS RELATED TO OUR BUSINESS

     Set forth below and elsewhere in this Report and in other documents we file
with  the  SEC  are  risks  and uncertainties that could cause actual results to
differ  materially   from   the  results  contemplated  by  the  forward-looking
statements  contained  in  this  report.

WE  MAY NOT BE ABLE TO SUCCESSFULLY DEVELOP NEW PRODUCTS AND SERVICES, WHICH MAY
ADVERSELY AFFECT OUR  BUSINESS.

     The  markets  in  which  we  compete  are  increasingly  characterized   by
technological  change.  The  introduction  of  competing  products  and services
incorporating  new  technologies  could  render  some or all of our products and
services unmarketable. We believe that our future success depends on our ability
to  enhance  our  current  products and services and to develop new products and
services  that address the increasingly sophisticated needs of our customers. As
a  result,  we  have  in  the  past and intend to continue to commit substantial
resources  to  product  development  and  programming.  The  development  of new
products  and  services  may  result  in  unanticipated expenditures and capital
costs,  which  may  not be recovered in the event one or more of our products is
unsuccessful.  Our failure to develop and introduce new or enhanced products and
services  in  a  timely  and  cost-effective  manner  in  response  to  changing
technologies  or  customer  requirements would have a material adverse effect on
our  business,  financial  condition  and  results  of  operations.

OUR  ABILITY  TO PROVIDE COLLISION ESTIMATING SERVICES TO OUR CUSTOMERS COULD BE
SEVERELY LIMITED IF OUR ACCESS TO DATA IS INTERRUPTED.

     A  substantial  portion  of  the  data utilized in our collision estimating
products  is  derived  from the MOTOR Crash Estimating Guide, a publication of a
subsidiary  of  The Hearst Corporation. We have a license to use the MOTOR Crash
Estimating  Guide data under an agreement with Hearst, which expires on June 30,
2021. Hearst may terminate the license if any of the following events occur: (1)
we  fail  to make payment of license fees, royalties and other charges due under
the  agreement;  (2)  we do not comply with the material terms and conditions of
the  agreement; (3) we become bankrupt or insolvent and we are unable to perform
our  obligations  under  the agreement; or (4) upon two years' notice, if Hearst
discontinues  or  abandons  publication  of  the  estimating  guide.

     There  can be no assurance that we will be able to renew the Hearst license
on economic terms that are beneficial to us or at all. We do not believe that we
have  access  to   an   alternative   database  that  would  provide  comparable
information.  Any interruption of our access to the MOTOR Crash Estimating Guide
data  could  have a material adverse effect on our business, financial condition
and results of operations. For additional information regarding our license with
Hearst,  see  "Business  -  Intellectual Property and Licenses" of this section.

                                        8
<PAGE>
IF  WE  ARE UNABLE TO PROTECT OUR TRADE SECRETS AND PROPRIETARY INFORMATION, OUR
ABILITY TO COMPETE EFFECTIVELY COULD BE ADVERSELY IMPACTED.

     We  regard  the  technology  underlying  our  products   and   services  as
proprietary.  We  rely primarily on a combination of intellectual property laws,
patents,  trademarks,  confidentiality  agreements and contractual provisions to
protect  our  proprietary  rights. We have registered certain of our trademarks.
Our  Total  Loss  calculation  process  is not patented; however, the underlying
methodology  and processes are trade secrets and are essential to our Total Loss
business.   Existing   trade  secrets  and  copyright  laws  afford  us  limited
protection.  Despite our efforts to protect our proprietary rights, unauthorized
parties  may  attempt  to  copy  aspects  of  our  software or to obtain and use
information  that  we  regard  as  proprietary. Policing unauthorized use of our
software  is  difficult.  There  can  be  no  assurance  that the obligations to
maintain  the  confidentiality  of our trade secrets and proprietary information
will  effectively  prevent disclosure of our confidential information or provide
meaningful  protection  for  our  confidential  information,  or  that our trade
secrets  or  proprietary  information will not be independently developed by our
competitors.  There  can  be  no assurance that our trade secrets or proprietary
information  will  provide  competitive  advantages or will not be challenged or
circumvented  by  its  competitors.  We  may  be  required to litigate to defend
against  claims of infringement, to protect our intellectual property rights and
could  result in substantial cost to, and diversion of efforts by, us. There can
be  no  assurance that we would prevail in any such litigation. If we are unable
to  protect our proprietary rights in our intellectual property, it could have a
material  adverse  effect  on  our  business, financial condition and results of
operations.

WE  ARE INVOLVED IN LEGAL PROCEEDINGS THAT, IF ADVERSELY ADJUDICATED OR SETTLED,
COULD MATERIALLY IMPACT OUR FINANCIAL CONDITION.

     We  are  currently involved in several legal proceedings that may result in
substantial  payments  by  the  Company. We currently are defendants in 12 class
action  suits  regarding our Total Loss service. If we were to face a full court
trial  and  be held liable in any of the actions (or otherwise determine that it
is  in  our  best  interests  to settle any of them), we could incur significant
legal  expenses and be required to pay monetary damages (or settlement payments)
that may have a significant negative impact on our financial condition. See Note
23,  "Legal  Proceedings"  for  further  discussion.

WE HAVE A HISTORY OF OPERATING LOSSES AND OUR FUTURE PROFITABILITY IS UNCERTAIN,
WHICH MAY IMPACT OUR ABILITY TO CONTINUE OPERATIONS.

     We  have  an accumulated net deficit from inception of approximately  $62.9
million  through December 31, 2002. Additionally, we failed to generate a profit
for  the years 2001 and 2000 and prior to 2002 had a persistent decrease in cash
flow  in  each  year,  from  1998  to 2001. Losses had resulted principally from
costs  incurred  in  product acquisition and development, from servicing of debt
and  from  general  and administrative costs. The costs exceeded our revenues in
most years prior to 2002. Although we increased our revenue in each of the years
ended  December  31, 2002, 2001 and 2000 and generated operating income of $37.3
million  in 2002, there can be no assurance that we will be able to sustain this
revenue  growth  or  achieve  or  maintain  profitability  in  the  future.

IF  WE ARE UNABLE TO GENERATE SUFFICIENT CASH FLOW TO SERVICE OUR OBLIGATIONS OR
FIND ALTERNATIVE FINANCING SOURCES, OUR BUSINESS MAY BE ADVERSELY AFFECTED.

     Our  ability  to  make  payments  on  our  obligations  and to fund planned
expenditures  depends on our ability to generate future cash flow. This, to some
extent,  is  subject  to  general economic, financial, competitive, legislative,
regulatory  and  other  factors  that  are  beyond our control. In addition, our
ability  to  borrow  funds under our $30 million Credit Facility, depends on our
satisfying  various  covenants,  which  require us to maintain certain levels of
operating  cash flow, debt coverage and net worth and limits our ability to make
certain  investments. As of December 31, 2002, we were in compliance with all of
these  covenants  and  had  no  advances  under  the  Credit  Facility.

                                        9
<PAGE>
     We  cannot  assure  you  that  our  business  will  generate cash flow from
operations  or  that  future borrowings will be available to us under the Credit
Facility  or  otherwise. In addition, we can give no assurances as to whether we
will  be  able  to  obtain additional financing from other sources. Inability to
obtain  financing  from  alternative  sources  may have an adverse effect on our
financial  position,  results  of  operations  and  cash  flow.

VARIOUS  STATE  LAWS AND REGULATIONS GOVERN THE USE OF OUR TOTAL LOSS SERVICE BY
INSURANCE COMPANIES.

     Changes  in the content or interpretation of those laws or regulations in a
way  that  restricts  the  use of this service by insurance companies may have a
material  adverse  effect  on  our  business, financial condition and results of
operations.

IT MAY BECOME INCREASINGLY EXPENSIVE TO OBTAIN AND MAINTAIN LIABILITY INSURANCE.

     We  contract  for  insurance  to  cover  a  variety  of potential risks and
liabilities.  In  the  current  market,  insurance  coverage  is  becoming  more
restrictive,  and,  when insurance coverage is offered, the deductible for which
we  are  responsible  is  larger. In light of these circumstances, it may become
more  difficult  to maintain insurance coverage at historical levels, or if such
coverage  is  available,  the  cost  to  obtain  or  maintain  it  may  increase
substantially.  This  may  result  in  our being forced to bear the burden of an
increased  portion  of  risks  for  which  we have traditionally been covered by
insurance,  which  could  negatively  impact  our  results  of  operations.


TERRORIST  ACTS  AND  ACTS  OF  WAR MAY SERIOUSLY HARM OUR BUSINESS AND REVENUE,
COSTS AND EXPENSES AND FINANCIAL CONDITION.

     Terrorist  acts  or  acts of war may cause damage or disruption to CCC, our
employees, facilities, suppliers, or customers, which could significantly impact
our  revenue,  costs  and  expenses  and  financial condition. The potential for
future  terrorist attacks, the national and international responses to terrorist
attacks  or  perceived  threats  to  national security, and other acts of war or
hostility  have  created  many  economic  and political uncertainties that could
adversely  affect  our  business  and  results of operations in ways that cannot
presently  be  predicted.

                                       10
<PAGE>
ITEM  2.  PROPERTIES

     Our  corporate  office  is located in Chicago, Illinois, where we lease two
spaces  of  a  multi-tenant facility, one for approximately 104,000 square feet,
which  expires  in  November 2008 and the second for approximately 37,000 square
feet,  which  expires  in  January  2004.  In  Glendora,  California,  we  lease
approximately  42,000  square  feet of a facility under a lease expiring in June
2012,  where  a satellite development center and distribution center are housed.
We own a 50,000 square foot facility in Sioux Falls, South Dakota used primarily
for  certain  customer service and claims processing operations. During 2001, we
vacated  approximately  34,000  feet  of  a  multi-tenant  facility  in  Chicago
previously  occupied  by  our  discontinued  DriveLogic  segment  under  a lease
expiring in March 2006.  We are currently attempting to sublease these premises.
In  addition, we vacated facilities previously occupied by CCC Consumer Services
and  CCC  International,  both  of  which  were  shut  down  in 2001, and we are
currently  subleasing 9,329 square feet of our Sioux Falls facility.  We believe
that  our  existing  facilities  are  adequate  to meet our requirements for the
foreseeable  future.

ITEM 3. LEGAL PROCEEDINGS

     The  information  provided in Note 23 of the financial statements contained
in Item  15(a)  1  of  this  Form  10-K  is  incorporated  herein by reference.

ITEM 4. SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

     None.

                                     PART II

ITEM 5. MARKET FOR REGISTRANT'S COMMON EQUITY AND RELATED STOCKHOLDER MATTERS

     Our  common  stock is traded on the Nasdaq National Market under the symbol
"CCCG." The following table sets forth the high and low closing sales prices per
share  of  our  common  stock  for  the  fiscal  periods  indicated:
<TABLE>
<CAPTION>
                                       2002                  2001
                                  --------------        --------------
                                   HIGH     LOW          HIGH    LOW
                                  ------  ------        ------  ------
<S>             <C>     <C>     <C>   <C>     <C>
                 First Quarter    $ 9.42  $ 6.60        $ 9.88   $6.75
                 Second Quarter   $14.29  $ 9.41        $10.35   $5.94
                 Third Quarter    $13.99  $ 9.79        $ 7.47   $4.95
                 Fourth Quarter   $20.35  $13.52        $ 8.15   $5.37
</TABLE>
     Our  policy  has  been  to  retain cash to fund future growth. Accordingly,
since our initial public offering of common stock in August of 1996, we have not
paid  any dividends. As of March 7, 2003, there were 26,202,116 shares of common
stock  outstanding.  There  were 70 stockholders of record on March 7, 2003.

                                       11
<PAGE>

ITEM 6. SELECTED FINANCIAL DATA

     Below are the Company's condensed consolidated statements of operations and
selected  balance  sheet information for the five years ended December 31, 2002.
This  information  should be read in conjunction with the Consolidated Financial
Statements,  which  are  included  elsewhere in this Annual Report on Form 10-K.

<TABLE>
<CAPTION>

                                                                 YEAR ENDED DECEMBER 31,
                                                  -----------------------------------------------------
                                                     2002      2001       2000       1999       1998
                                                  -----------------------------------------------------
                                                          (IN THOUSANDS, EXCEPT PER SHARE DATA)
<S>                                                  <C>        <C>        <C>        <C>      <C>
CONSOLIDATED STATEMENT OF OPERATIONS:
Revenues . . . . . . . . . . . . . . . . . . . .  $ 191,860  $ 187,941  $ 184,641  $ 179,021  $ 168,811
Expenses:
  Operating expenses . . . . . . . . . . . . . .    153,688    175,768    181,018    160,751    145,045
  Restructuring charges. . . . . . . . . . . . .        869     10,499      6,017      2,242      1,707
  Litigation settlements . . . . . . . . . . . .          -      4,250      2,375          -      1,650
                                                  -----------------------------------------------------
Operating income (loss). . . . . . . . . . . . .     37,303     (2,576)    (4,769)    16,028     24,409

Interest expense . . . . . . . . . . . . . . . .       (708)    (5,680)    (3,135)    (1,358)      (252)
Other income (expense), net. . . . . . . . . . .        455       (248)     5,101        412        697
Gain on exchange of investment securities, net .          -          -     18,437          -          -
Loss on investment securities and notes. . . . .          -    (28,267)         -          -          -
CCC Capital Trust minority interest expense. . .     (3,984)    (1,371)         -          -          -
Equity in net losses of ChoiceParts investment .       (291)    (2,486)    (2,071)         -          -
                                                  -----------------------------------------------------
Income (loss) from continuing operations before
  income taxes . . . . . . . . . . . . . . . . .     32,775    (40,628)    13,563     15,082     20,854
Income tax (provision) benefit . . . . . . . . .    (10,420)    18,329     (3,452)    (7,352)    (8,997)
                                                  -----------------------------------------------------
Income (loss) from continuing operations before
  equity losses. . . . . . . . . . . . . . . . .     22,355    (22,299)    10,111      7,730     11,857
Equity in net losses of affiliates . . . . . . .          -     (2,354)   (15,650)    (6,645)   (11,658)
                                                  -----------------------------------------------------
Income (loss) from continuing operations . . . .     22,355    (24,653)    (5,539)     1,085        199
Income (loss) from discontinued operations, net
  of income taxes. . . . . . . . . . . . . . . .        354     (5,972)    (3,704)      (333)      (280)
                                                  -----------------------------------------------------
Net income (loss). . . . . . . . . . . . . . . .     22,709    (30,625)    (9,243)       752        (81)
Dividends and accretion on mandatorily
  redeemable preferred stock . . . . . . . . . .          -          -          -         (2)        43
                                                  -----------------------------------------------------
Net income (loss) applicable to common stock . .  $  22,709  $ (30,625) $  (9,243) $     750  $     (38)
                                                  =====================================================

INCOME (LOSS) PER COMMON SHARE-BASIC
  Income (loss) from continuing operations . . .  $    0.86  $   (1.12) $   (0.25) $    0.05  $    0.01
  Income (loss) from discontinued operations . .       0.01      (0.27)     (0.17)     (0.02)     (0.01)
                                                  -----------------------------------------------------
Net income (loss). . . . . . . . . . . . . . . .  $    0.87  $   (1.39) $   (0.42) $    0.03  $       -
                                                  =====================================================

INCOME (LOSS) PER COMMON SHARE-DILUTED
  Income (loss) from continuing operations . . .  $    0.83  $   (1.12) $   (0.25) $    0.05  $    0.01
  Income (loss) from discontinued operations . .       0.01      (0.27)     (0.17)     (0.02)     (0.01)
                                                  -----------------------------------------------------
Net income (loss). . . . . . . . . . . . . . . .  $    0.84  $   (1.39) $   (0.42) $    0.03  $       -
                                                  =====================================================


Weighted average shares outstanding:
  Basic. . . . . . . . . . . . . . . . . . . . .     25,850     21,967     21,851     22,856     24,616
  Diluted. . . . . . . . . . . . . . . . . . . .     26,904     21,967     21,851     23,162     25,188

                                       12
<PAGE>


                                                                 YEAR ENDED DECEMBER 31,
                                                  -----------------------------------------------------
                                                     2002      2001       2000       1999       1998
                                                  -----------------------------------------------------
                                                                     (in thousands)
SELECTED CONSOLIDATED BALANCE SHEET DATA:
 Cash and marketable securities. . . . . . . . .  $  20,200   $    766   $    912   $  1,378   $  1,526
 Working capital . . . . . . . . . . . . . . . .     (4,444)   (20,256)   (24,886)    (3,868)     3,281
 Total assets. . . . . . . . . . . . . . . . . .     67,843     62,194     94,688     84,549     79,018
 Long-term debt, excluding current maturities. .          -      7,145     42,000     24,685     11,000
 Mandatorily redeemable preferred stock. . . . .          -     13,370          -          -        688
 Stockholders' equity (deficit). . . . . . . . .  $  21,184   $ (6,811)  $  2,118   $ 15,261   $ 35,303
</TABLE>

ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS

     The  following  discussion  should  be  read  together  with  the Company's
consolidated financial statements and notes thereto, appearing elsewhere in this
Form  10-K. This item contains forward-looking statements that involve risks and
uncertainties. Actual results may differ materially from those indicated in such
forward-looking  statements.  Factors  that may cause such a difference include,
but  are  not  limited  to, those discussed in Item 1, "Business - Certain Risks
Related  to  our  Business."

CRITICAL  ACCOUNTING  POLICIES

     Management's Discussion and Analysis of our financial condition and results
of  operations  are based upon our consolidated financial statements, which have
been prepared in accordance with accounting principles generally accepted in the
United  States,  or  GAAP.  We  review  the accounting policies, including those
described  in Note 2, "Significant Accounting Policies," we use in reporting our
financial  results  on  a  regular  basis.  The  preparation  of these financial
statements  requires us to make estimates, assumptions and judgments that affect
the  reported  amounts of assets, liabilities, revenues and expenses and related
disclosure  of  contingent  assets  and  liabilities.  On  an on-going basis, we
evaluate our estimates, including those related to our accounts receivable, net,
income  taxes,  goodwill,  software  development  costs, fair value of financial
instruments  and  commitments  and  contingencies.  We  base  our  estimates  on
historical  experience  and on various other assumptions that are believed to be
reasonable  under  the  circumstances,  the  results of which form the basis for
making  judgments  about  the  carrying values of assets and liabilities. Actual
results  may  differ  from  these  estimates  under  different  assumptions  or
conditions.  Our  senior  management  has  reviewed  these  critical  accounting
policies  and  related  disclosures  with  the  Audit  Committee  and Disclosure
Committee.  (See,  "Preparation  of  Financial Information" in this section, for
further  discussion  of  the  Disclosure  Committee.)

     We  believe  the  following  critical  accounting  policies relate to those
policies that are most important to the presentation of our financial statements
and  require  the  most  difficult,  subjective  and  complex  judgments.

     ACCOUNTS  RECEIVABLE,  NET.     Accounts  receivable  as  presented  in the
accompanying  consolidated  balance  sheet  are  net  of  reserves  for customer
allowances   and   doubtful  accounts.  We  determine  allowances  for  accounts
receivable  based  on  specific  identification  of  customer accounts requiring
allowances  and  the  application of a predetermined percentage to the remaining
accounts receivable balances. Generally, we determine the allowance based on our
assessment  of  the  realization of receivables using historical information and
current  economic trends, including assessing the probability of collection from
customers.  If  there is a deterioration of a major customer's credit worthiness
or actual defaults are higher than our historical experience, the recoverability
of  amounts  due  could  be  adversely  affected.

                                       13
<PAGE>

     INCOME  TAXES. Deferred income taxes are provided for timing differences in
recognizing  certain  income and expense items for financial reporting purposes.
Such  deferred  income  taxes  primarily  relate to the timing of recognition of
certain  revenue  and  expense items, the timing of the deductibility of certain
reserves  and  accruals  for  income  tax purposes. We establish a tax valuation
allowance  to  the  extent that it is more likely than not that the deferred tax
assets  will  not  be  realizable against future taxable income.  During 2001 we
recorded  a  net  loss  of  $27.1  million  on the write-off of the ChannelPoint
investment  and  note receivable, including accrued interest.  For tax purposes,
$20.8  million  of  this  loss  was considered a capital loss, which can only be
offset  with net capital gains.  We believe that it is more likely than not that
the capital loss will not be realized; therefore, a valuation allowance has been
established for this item.  We also have foreign net operating losses from prior
years related to our former CCC International operations.  We have established a
valuation  allowance  for  the full amount of these foreign net operating losses
because  realization  of  these  assets  is  not  more  likely  than  not.

     We  have  considered  future  market  growth,  forecasted  earnings, future
taxable income, the mix of earnings in the jurisdictions in which we operate and
prudent  and  feasible  tax  planning  strategies  in  determining  the need for
valuation  allowances.  In  the  event we were to determine that we would not be
able  to  realize  all  or part of our net deferred tax assets in the future, an
adjustment to the deferred tax assets would be charged to earnings in the period
such  determination  is  made.  Likewise,  if we later determine that it is more
likely  than  not that the deferred tax assets would be realized, the previously
provided  valuation  allowances  would  be  reversed.

     During  the  third  quarter  of  2002, the Company filed amended income tax
returns  to  claim  research  and  experimentation tax credits applicable to the
years  1998,  1999  and  2000  and  recorded  a  credit to income tax expense of
$2 million, which is the Company's best estimate of the amount of tax credits to
be realized.  The  Company also recorded research and experimentation credits of
$0.4 million for 2002.  We  believe  that our approach in determining the amount
of credits is reasonable, however  this could ultimately result in changes, once
they  are  reviewed  by  taxing  authorities.

     GOODWILL.  In  2001,  the  Financial  Accounting  Standards  Board ("FASB")
issued  Statement of Financial Accounting Standards No. 142, "Goodwill and Other
Intangible  Assets"  ("SFAS  142").   SFAS  142 became effective for the Company
January  1,  2002.  Under SFAS 142, goodwill is no longer amortized to earnings,
but  instead is reviewed for impairment on at least an annual basis. The Company
completed  the  required  transitional  impairment analysis on June 30, 2002 and
determined  that  there was no impairment in the value of goodwill. In addition,
when events or changes in circumstances indicate that the carrying value of such
assets  may  not  be  recoverable, we perform an analysis of undiscounted future
cash  flows  to  determine whether recorded amounts are impaired. As of December
31,  2002,  no  such  events or changes in circumstances have occurred since our
impairment  analysis  was  performed  in  June  2002.

     The  unamortized goodwill balance as of December 31, 2002 was $4.9 million.
This  goodwill  originated  from a 1988 acquisition that included the Total Loss
service. We currently generate approximately 24% of our total revenue from Total
Loss  and  related  services.  In the future, net cash flows from the Total Loss
service will be utilized in determining if the goodwill is impaired. At December
31,  2002,  no  such  impairment  existed.

     SOFTWARE  DEVELOPMENT  COSTS. The Company expenses research and development
costs  as  they  are  incurred.  The  Company has evaluated the establishment of
technological  feasibility of its software products in accordance with Statement
of  Financial Accounting Standards ("SFAS") No. 86, "Accounting for the Costs of
Computer  Software  to be Sold, Leased or Otherwise Marketed." The Company sells
its software products in a market that is subject to rapid technological change,
new  product development and changing customer needs. Accordingly, technological
feasibility  of  the  Company's  software  products is generally not established
until  the  development  of the software product is nearly complete. The Company
defines  technological  feasibility  as  the  completion of a working model. The
period  of  time  during  which  costs  could  be capitalized, from the point of
reaching  technological  feasibility  until the time of general product release,
has  historically  been  very  short  and,  consequently,  amounts  subject  to
capitalization  have not been significant. Should our development process change
significantly  the  Company  would  reevaluate  the  impact  of  SFAS  No.  86.

                                       14
<PAGE>

     FAIR  VALUE  OF FINANCIAL INSTRUMENTS. The carrying amount of our financial
instruments approximates their estimated fair value based upon market prices for
the  same  or  similar  type of financial instruments.  We perform an impairment
review  whenever  events  or changes in circumstances indicate that the carrying
value of these investments and notes receivable may not be recoverable.  Factors
we  consider  important  which could trigger an impairment review include market
conditions,  valuations for similar companies, financial performance and a going
concern  risk.  During  the  year  ended  December  31, 2001, we determined that
certain  investments  and  notes receivable had incurred a decline in value that
was  considered  other than temporary.  We determined that the carrying value of
our  investments in and related notes receivable from ChannelPoint and Info4cars
may  not  be  recoverable  based  upon the existence of one or more of the above
impairment  factors.  We recorded a charge of $22.7 million and $0.3 million for
ChannelPoint  and  Info4cars,  respectively,  which  represented  the  remaining
carrying  value  of  these  investments.  In addition, we provided allowances of
$4.9  million  and  $0.8  million for the notes receivables and accrued interest
from  ChannelPoint  and  Info4cars,  respectively.

     COMMITMENTS  AND  CONTINGENCIES.     Loss  contingencies  are  recorded  as
liabilities  when  it  is  probable  that  a liability has been incurred and the
amount  of  the  loss  is reasonably estimable. Contingent liabilities are often
resolved  over  long time periods.  Estimating probable losses requires analysis
of  multiple  factors  that often depend on judgments about potential actions by
third  parties  such  as  regulators.  We regularly evaluate current information
available  to  us  to  determine  whether  such  accruals  should  be  adjusted.

     In  2001,  we  recorded a charge of $4.3 million to write off excess office
space  in  Chicago,  formerly  occupied by DriveLogic.  This charge was recorded
after  a  complete review of our short-term and long-term facility requirements.
The charge included future rent commitments of $5.4 million and the write off of
leasehold  improvements  of $2.1 million, net of expected future sublease income
of  $3.2  million.  During 2002, the Company recorded an additional $0.9 million
charge  to revise the estimated future sublease income from $3.2 million to $2.3
million as a result of the current weak conditions of the real estate market. If
the  Company  has  not  sublet  the  office space by September 30, 2003, we will
reevaluate  the   amount   recorded,   at  that  time.  However,  if  events  or
circumstances  change  prior  to September 30, 2003, the Company will reevaluate
the charge at that time. The lease for this office space expires March 31, 2006.
While  we  believe  that  the  assumptions  used  are  appropriate,  significant
differences  in  actual  experience  or significant changes in assumptions would
affect  the  charge  recorded.

     We  recorded  a  charge  of  $4.3  million,  net  of  an expected insurance
reimbursement  of  $2.0  million,  in  2001 as an estimate of the amount we will
contribute  towards  the potential settlement of the largest of the class action
lawsuits  related  to our Total Loss valuation service. This charge was based on
Statement of Financial Accounting Standards No. 5 "Accounting For Contingencies"
that  establishes  standards  of  financial  accounting  and  reporting for loss
contingencies.  We  anticipate that the settlement would eliminate the viability
of  class  claims  in 7 of the 12 class action suits pending against the Company
related  to  the Total Loss service. Upon completion, the anticipated settlement
would resolve potential claims arising out of approximately 30% of the Company's
total  transaction  volume  during  the  time period covered by the lawsuit. The
Company  currently  anticipates  that  the  proposed  settlement would include a
resolution  of  any  potential claims for indemnification or contribution by its
customers relating to the transactions covered by the settlement. As of December
31,  2002,  the  Company  believes  that  the  charge recorded is an appropriate
estimate for the settlement of the claims covered by the anticipated settlement.
As additional information is gathered and the litigations (both those covered by
the  anticipated  settlement,  as  well  as others) proceed, we will continue to
assess  their  potential  impact.

                      PREPARATION OF FINANCIAL INFORMATION

      We believe that the application of accounting standards is as important as
the  underlying  financial  data in reporting our financial position, results of
operations and cash flows. The Company believes that its accounting policies are
prudent  and  provide  a  clear view of the Company's financial performance. The
Company  has  formed  a  Disclosure  Committee,  composed  of senior management,
including  senior financial and legal personnel, to help ensure the completeness
and  accuracy  of  the Company's financial results and disclosures. In addition,
prior  to  the  release  of  the  Company's financial results, the Company's key
management  reviews  the  Company's annual and quarterly results, along with key
accounting  policies  and  estimates,  with  the audit committee of our Board of
Directors.

                                       15
<PAGE>
                             2002 COMPARED WITH 2001

     OPERATING  INCOME.  Operating  income  increased  year  over  year by $39.9
million,  to  $37.3  million,  in  2002,  due to a decrease in expenses of $36.0
million  and  an  increase  in  revenues  of $3.9 million. Our operating margins
(operating income (loss) as a percentage of revenue), increased to 19.4% for the
year ended 2002 compared to (1.4%) in 2001. The increase in operating income and
margin  for  the year ended 2002 was due primarily to a continued improvement in
profitability  resulting  from  our  restructuring, which occurred in June 2001.
Operating  loss  for  the  year  ended  2001  included a restructuring charge of
$(10.5)  million, an estimated charge for settlement of a lawsuit related to our
Total  Loss  valuation service of $(4.3) million and an operating loss of $(3.4)
million  for  CCC  International,  which  was  shut  down  in  June  2001.

     REVENUES.  Revenues for the year ended December 31, 2002 of  $191.9 million
were  $3.9  million,  or  2.1%,  higher than the same period last year. Revenues
from  our U.S. business increased $5.6 million, or 3.0% in 2002, compared to the
same period last year.

Revenue  by  major  product  and  service  groups  are  as  follows:
<TABLE>
<CAPTION>
                                                  2002       2001       2000
                                               -------------------------------
<S>                                            <C>       <C>       <C>
Pathways. . . . . . . . . . . . . . . . . . .  $ 116,231  $ 109,568  $ 102,585
Total Loss Valuation Services . . . . . . . .     45,463     47,977     49,332
Workflow Products . . . . . . . . . . . . . .     22,602     19,706     14,054
Information Services Products . . . . . . . .      1,134        828        487
Other Products and Services . . . . . . . . .      6,430      8,180     10,431
                                                ------------------------------
  Total Revenue from U.S.Operations . . . . .    191,860    186,259    176,889
  Total Revenue from International Operations          -      1,682      7,752
                                               -------------------------------
    Total Revenue . . . . . . . . . . . . . .  $ 191,860  $ 187,941  $ 184,641
                                               ===============================
</TABLE>
     Revenues  from  our Pathways' products increased for the year ended 2002 by
$6.7  million,  or 6.1%, compared to the same period of 2001. This was primarily
led  by  an increase in the number of new automotive collision repair customers,
an  increase  in units from existing collision repair facilities and an increase
in  the  number of Pathways Digital Imaging product units used by our automotive
collision  repair  customers.

     Revenues  from our Total Loss valuation services decreased by $2.5 million,
or  5.2%,  from  the year ended December 31, 2001 compared to the same period of
2002  as  a  result  of  lower  transaction  volumes due primarily to a customer
switching  to  an  in-house  solution.

     Revenues  from  our  workflow  products, including our EZNet communications
network,  our  Pathways  Appraisal  Quality Solution and our CCC Autoverse Claim
Management  solution,  increased  in 2002 by $2.9 million, or 14.7%, compared to
the  same  period  of  2001. This was mainly due to increased transaction volume
from  several  new  customers and existing insurance companies adding new direct
repair  transactions  to  the  EZNet  communications  network.

     Revenue from  information services increased $0.3 million, or 37.0%, due to
an  insurance  customer  adopting  ClaimScope  Navigator  in  2002.

     Revenues  from   our   other  products  and  services,  which  include  the
Computerized  Automobile  Rental  System  ("CARS")  and  the leasing of computer
hardware,  decreased  by  $1.8  million,  or  21.4%.  The  decrease  was  mainly
attributable  to a decrease in transaction volume related to our CARS service, a
decrease  in  the number of units leased and a renegotiated price for a customer
leasing  hardware.

                                       16
<PAGE>
     OPERATING  EXPENSES.  Operating  expenses  as  a percentage of revenues are
summarized  as  follows:
<TABLE>
<CAPTION>
                                                 2002               2001               2000
                                         ------------------------------------------------------
Revenues. . . . . . . . . . . . . . . .  $ 191,860  100.0%  $ 187,941  100.0%  $ 184,641  100.0%
<S>                                  <C>       <C>     <C>       <C>     <C>       <C>
Production and Customer Support . . . .     28,376   14.8      32,498   17.3      41,449   22.4
Commissions, Royalties and Licenses . .     10,411    5.4      10,129    5.4      13,512    7.3
Selling, General and Administrative . .     77,449   40.4      90,892   48.4      86,663   46.9
Depreciation and Amortization . . . . .      9,069    4.7      11,820    6.3      11,499    6.2
Product Development and Programming . .     28,383   14.8      30,429   16.2      27,895   15.1
Restructuring Charges . . . . . . . . .        869    0.5      10,499    5.6       6,017    3.3
Settlements . . . . . . . . . . . . . .          -      -       4,250    2.3       2,375    1.3

Total Operating Expenses. . . . . . . .    154,557   80.6     190,517  101.4     189,410  102.6
</TABLE>

     PRODUCTION AND CUSTOMER SUPPORT.  Production and customer support decreased
from  $  32.5  million,  or  17.3%  of  revenue, to  $28.4 million, or 14.8%  of
revenue.  The year-over-year decrease was due to a decrease of $1.5 million as a
result  of  our  shut  down  of  CCC  International,  $1.3  million due to lower
headcount  and  associated  costs related to improved efficiency in the customer
support  area, including the consolidation of certain customer support functions
and  $0.9  million  due  to  renegotiated  reduced  rates for telecommunication,
service  bureau  and  network  costs.

     COMMISSIONS,  ROYALTIES  AND LICENSES.  Commissions, royalties and licenses
increased  from  $10.1  million, or  5.4% of revenues, to $10.4 million, or 5.4%
of  revenues.  These  expenses  remained  relatively  stable  year-over-year.

     SELLING,  GENERAL  AND ADMINISTRATIVE.  Selling, general and administrative
decreased  from  $90.9  million,  or  48.4%  of  revenues, to  $77.4 million, or
40.4%  of  revenues.  These  expenses  decreased  primarily  as  a result of the
benefits  of  the  restructuring  in  2001 and profit improvement initiatives in
2002.  Other  contributing  factors were lower communication expenses, lower web
hosting  fees  and  reduced  conferences  held  in  2002.

     DEPRECIATION AND AMORTIZATION. Depreciation and amortization decreased from
$11.8  million,  or  6.3%  of  revenues,  to  $9.1 million, or 4.7% of revenues.
Depreciation  and  amortization  decreased  as  a result of fewer investments in
internal use software and customer leased computer equipment and our adoption in
January  2002  of  SFAS  142,  which  ceased  the  amortization  of  goodwill.

     PRODUCT  DEVELOPMENT  AND PROGRAMMING.  Product development and programming
decreased  from  $30.4  million, or 16.2% of revenue, to $28.4 million, or 14.8%
of  revenue.  The decrease was due to lower development expenses, resulting from
the  consolidation   of   our   DriveLogic  business  unit  and  the  associated
reduction-in-force  partially  offset  by hiring additional staff and additional
consulting  work  for  increased  product  development  efforts.

     RESTRUCTURING  CHARGES.  In  June  2001,  we  announced  a set of strategic
decisions  as  part  of  a  company-wide  effort to improve profitability.  As a
result,  we  recorded  a  restructuring  charge of $2.8 million, which consisted
primarily  of severance and outplacement costs related to the termination of 130
employees.

     In  addition,  we recorded a charge of $3.4 million in June 2001 related to
our  decision  to  shut  down CCC International in order to focus on U.S. market
opportunities.  This  charge  consisted  of  a  write-off  of  goodwill  of $1.1
million,  contractual  commitments  (including office space) of $0.5 million and
severance  and  related  costs  to  terminate  39  employees  of  $1.8  million.

                                       17
<PAGE>
     During  2001, we also recorded a charge of $4.3 million to write off excess
office  space  in  Chicago,  formerly  occupied  by DriveLogic.  This charge was
recorded  after  a  complete  review  of  our  short-term and long-term facility
requirements.  The  charge  included future rent commitments of $5.4 million and
the  write off of leasehold improvements of $2.1 million, net of expected future
sublease  income  of  $3.2  million. In 2002, the Company recorded an additional
$0.9  million  charge  to  revise the estimated future sublease income from $3.2
million  to  $2.3 million as a result of the current weak conditions of the real
estate  market. If the Company does not sublet the office space by September 30,
2003,  it  will  need to reevaluate the amount recorded, at that time. The lease
for  this  office  space  expires  March  31,  2006. See Note 7,  "Restructuring
Charges."

     LITIGATION  SETTLEMENTS.  We  recorded  a charge of $4.3 million, net of an
expected  insurance reimbursement of $2.0 million, in 2001 as an estimate of the
amount we will contribute towards the potential settlement of the largest of the
class  action lawsuits related to our Total Loss valuation service.  This charge
was  based  on Statement of Financial Accounting Standards No. 5 "Accounting For
Contingencies"  that establishes standards of financial accounting and reporting
for  loss  contingencies.  We anticipate that the settlement would eliminate the
viability  of class claims in 7 of the 12 class action suits pending against the
Company  related  to  the  Total Loss service.  Upon completion, the anticipated
settlement  would  resolve  potential claims arising out of approximately 30% of
the  Company's  total  transaction  volume during the time period covered by the
lawsuit.   The  Company currently anticipates that the proposed settlement would
include a resolution of any potential claims for indemnification or contribution
by  its  customers relating to the transactions covered by the settlement. As of
December  31,  2002,  the  Company  believes  that  the  charge  recorded  is an
appropriate estimate for the settlement of the claims covered by the anticipated
settlement.  As  additional  information  is  gathered and the litigations (both
those covered by the anticipated settlement, as well as others) proceed, we will
continue  to  assess  their  potential  impact.

     INTEREST  EXPENSE.  Interest expense decreased from $5.7 million in 2001 to
$0.7  million  in  2002.  The  decrease from 2001 was driven by a lower level of
borrowings,  a  decrease  in  interest  rates  charged and lower amortization of
deferred  financing  fees  related  to  our  Credit Facility. The lower level of
borrowings was due primarily to the utilization of net proceeds of $18.1 million
from  a  rights  offering  in  December  2001 to reduce our outstanding debt, in
addition  to  the  cash  generated  from  operations  associated  with increased
profitability.  In  April  2002,  we  repaid the remaining balance on our Credit
Facility  and  have  had  no  borrowings  since  that  time.

     LOSS  ON INVESTMENT SECURITIES AND NOTES.  We recorded a loss in the second
quarter  of 2001 of approximately $27.1 million in connection with the write-off
of the investment in ChannelPoint, including a $4.9 million allowance related to
a  note  receivable  plus  accrued  interest.  This  charge  was  based  on  our
evaluation  of  the  collectibility  of  the note and the review of our carrying
value  of   the   ChannelPoint   common  stock.  See  Note  3,   "Investment  in
InsurQuote/ChannelPoint."  In  addition,   we   recorded   a  loss  in  2001  of
approximately  $1.1 million for the write-off of our investment in Info4cars.com
Inc.,  a  provider  of vehicle history reports and other products ("Info4cars"),
including  a  $0.8  million  allowance  related to notes receivable plus accrued
interest.  This  charge was based on a review of Info4cars' financial statements
and  representations from Info4cars' management. Both notes were settled and are
no  longer  outstanding  as  of  December  31,  2002.

     MINORITY  INTEREST  EXPENSE.  We recorded minority interest expense of $4.0
million  for  the  year  ended 2002 versus $1.4 million for the same period last
year.  The minority interest expense is associated with the issuance on February
23,  2001  of the Trust Preferred Securities to Capricorn Investors III, L.P and
represents  Capricorn Investors III, L.P.'s share of CCC Capital Trust's income.
In  October of 2002 we purchased the outstanding Trust Preferred Securities from
Capricorn,  and as a result will not have any interest expense relating to these
securities starting in November 2002. See Note 14, "CCC Capital Trust." Assuming
the  Trust Preferred Securities had not been repurchased early, the following is
the  Company's  estimate  of  the amount of minority interest expense that would
have been incurred in the year's 2003 through the scheduled maturity date of the
Trust  Preferred  Securities  in  2006.

<TABLE>
<CAPTION>
                                         TOTAL    2003    2004    2005    2006
                                        --------------------------------------
<S>                                <C>     <C>     <C>     <C>     <C>
     Minority interest expense savings  $7,607  $2,107  $2,392  $2,695  $  413
                                        ======================================
</TABLE>

                                       18
<PAGE>
     EQUITY IN NET LOSSES OF CHOICEPARTS.  We recorded a charge of  $0.3 million
for the year ended December 31, 2002 related to our 27.5% share of the losses in
ChoiceParts  compared  to  a charge of $2.5 million for the same period in 2001.
ChoiceParts  was  established   in   May  2000.   See  Note  5,  "Investment  in
ChoiceParts,  LLC."

     INCOME  TAXES.  Income  taxes increased from a benefit of $18.3 million, or
45.1% of  losses  from  continuing  operations  before  taxes, in 2001, to a tax
provision  of  $10.4  million,  or  31.8%  of  income from continuing operations
before  taxes,  in  2002. The tax benefit of $18.3 million in 2001, reflects the
tax  effect  of  the  shut  down  of  CCC  International  of  $13.9 million, the
ChannelPoint allowance recorded of $2.4 million and other pre-tax losses of $2.0
million.  The  2002  increase was mainly attributable to pretax income partially
offset  by  research  tax  credits  of  $2.4  million.

     EQUITY  IN NET LOSSES OF AFFILIATES.    In conjunction with our decision to
reduce  investments  in  and  shut down CCC International, in May 2001 we ceased
funding  the  operating  losses  of  Enterstand.  As a result, the operations of
Enterstand  ceased.

     DISCONTINUED  OPERATIONS.  Income  from discontinued operations, the former
CCC  Consumer  Services  segment,  net  of income taxes increased from a loss of
$6.0  million  in  2001  to  income  of  $0.4  million  in  2002.  See  Note  8,
"Discontinued  Operations."

                             2001 COMPARED WITH 2000

     For  the  year  ended  December 31, 2001, we reported a net loss of $(30.6)
million,  or  $(1.39) per share on a diluted basis, versus a net loss applicable
to  common stock of $(9.2) million, or $(0.42) per share on a diluted basis, for
the  same  period  in  2000.  For  the  year  ended December 31, 2001, we had an
operating loss of $(2.6) million compared to an operating loss of $(4.8) million
in  2000.  The  decrease  in  operating  losses  of  $2.2  million from 2000 was
principally the result of an increase in revenues of $3.3 million, or 1.8% being
offset, in part, by an increase in operating expenses of $1.1 million, or 0.58%.

     For 2001, CCC U.S. had revenues of $186.3 million and CCC International had
revenues  of  $1.6  million,  which represented 99.1% and 0.9% of the total 2001
consolidated  revenues,  respectively. For 2000, CCC U.S. had revenues of $176.9
million  and  CCC  International had revenues of $7.8 million, which represented
95.8%  and  4.2%  of the total 2000 consolidated revenues, respectively.   These
changes  were  primarily due to an increase in CCC U.S.'s revenue from its EZNet
communications  network and its Pathways Appraisal Quality Solution and Pathways
collision estimating products, and our decision in the second quarter of 2001 to
shut  down  CCC  International.

     In  2001,  operating  margins  (operating  income (loss) as a percentage of
revenue),  for  our  two  revenue producing segments were 0.50% for CCC U.S. and
(206.2)%  for  CCC  International compared to 3.1% for CCC U.S. and (131.2)% for
CCC  International in 2000. The operating margins for CCC U.S. include operating
results  for  DriveLogic,  previously reported as a segment, and shared services
and  exclude  the  results  for  the  discontinued  operations  of  CCC Consumer
Services,  which  we  wound  down  during  2001.

     REVENUES.  Revenues  for the year ended December 31, 2001 of $187.9 million
were  $3.2 million, or 1.8%, higher than the same period last year. The increase
in  revenues  was primarily attributable to an increase in CCC U.S.'s revenue of
$9.4  million,  or  5.3%,  from  its  EZNet communications network due to higher
transaction  volume  and  its  Pathways  collision  estimating product due to an
increase  in  the number of units used by automotive collision repair customers.
Electronic Direct Repair, Pathways Appraisal Quality Solution and Recycled Parts
Service,  which  comprised  less  than 15% of our total consolidated revenues in
2001,  increased  by  approximately  30%  in  2001  over  the  prior  year.  CCC
International  revenues  decreased year-over-year by $6.2 million, or 78.3%, due
to  the  Company's  decision  in  June  2001 to shut down these operations.  The
decision  to shut down the business was the result of continued underperformance
and  expected  future  losses.

                                       19
<PAGE>
     PRODUCTION AND CUSTOMER SUPPORT.  Production and customer support decreased
from  $41.4 million, or 22.5% of revenue, to $32.5 million, or 17.3% of revenue.
The  year over year decrease was due primarily to lower expenses associated with
the  Company's  decision to shut down CCC International. The expenses related to
CCC  International  decreased $8.0 million. In addition, CCC U.S.'s decrease was
primarily  due  to  lower  headcount  and  associated  costs related to improved
efficiency  in  the customer support area including the consolidation of certain
customer  support  functions  from  Glendora,  California to our headquarters in
Chicago,  Illinois  in  March  2001.

     COMMISSIONS,  ROYALTIES  AND  LICENSES.  Commission, royalties and licenses
decreased  from $13.5 million, or 7.3% of revenues, to $10.1 million, or 5.4% of
revenues. The decrease in dollars and as a percentage of revenues was due mainly
to  a reduction in license fees associated with our Pathways Enterprise Solution
and  Pathways Professional Advantage products.  In the third quarter of 2000, we
determined  that certain prepaid marketing fees paid to a third party associated
with  these  products were impaired. This determination was based on an analysis
of  projected  future  revenue  and profitability streams of the shop management
products associated with this marketing fee. As a result we recorded a charge of
$1.9  million  in  connection  with  the  write-off of this asset.  In addition,
outside  sales  commissions  paid to independent sales representatives decreased
from  the  completion  of  the  conversion  of these representatives to salaried
employees  in  the  first  half  of  2000.

     SELLING,  GENERAL  AND ADMINISTRATIVE.  Selling, general and administrative
increased  from  $86.7 million, or 46.9% of revenues, to $90.9 million, or 48.4%
of revenues.  This increase is primarily attributable to the investments of $3.0
million  made  in  the  first  half  of  2001 in DriveLogic, when DriveLogic was
operated  as  a separate business unit.  In addition, CCC U.S. recorded a fourth
quarter  2000 gain of $4.3 million related to the final resolution of previously
accrued  expenses  associated  with  a  vendor  agreement  focused on technology
testing  and  rollout  of  certain  products  and  services.  Other contributing
factors  in  the  increase  of expenses, was the conversion of independent sales
representatives  to  salaried  employees  and  higher  outside  legal  fees.

     DEPRECIATION  AND  AMORTIZATION.  Depreciation  and  amortization increased
from  $11.5 million, or 6.2% of revenues, to $11.8 million, or 6.3% of revenues.
The  increase  was  mainly the result of additional amortization of internal use
software  costs  of  $0.6  million,  primarily a new human resources and payroll
system  implemented  in 2000.  Depreciation and amortization also increased as a
result  of  additional investments in computer equipment and software, leasehold
improvements and office furniture associated with our former DriveLogic segment.
Partially  offsetting  this  increase  was  a  decrease  of  $1.1 million in CCC
International  due  to  our  decision  to  shut  down the operations in the U.K.

     PRODUCT  DEVELOPMENT  AND PROGRAMMING.  Product development and programming
increased from $27.9 million, or 15.1% of revenue, to $30.4 million, or 16.2% of
revenue.  This  increase  occurred  during  the  first  half  of 2001 due to new
product  development efforts related to DriveLogic, a former segment of CCC.  In
June of 2001, we instituted a cost savings plan as part of a company-wide effort
to  improve profitability.  As a result, we consolidated the development efforts
of  CCC  U.S. and DriveLogic and reduced expenses in the second half of the year
by  $2.8  million.

     RESTRUCTURING  CHARGES.  In  June  2001,  we  announced  a set of strategic
decisions  as  part  of  a  company-wide  effort to improve profitability.  As a
result,  we  recorded  a  restructuring  charge of $2.8 million, which consisted
primarily  of severance and outplacement costs related to the termination of 130
employees.  During  the  fourth  quarter  of  2001, we recorded a charge of $4.3
million  to  write  off  excess  office  space  in Chicago, formerly occupied by
DriveLogic.  This  charge was recorded after a complete review of our short-term
and  long-term   facility   requirements.   The   charge  included  future  rent
commitments  of $5.4 million and the write off of leasehold improvements of $2.1
million,  net  of  expected future sublease income of $3.2 million.  See Note 7,
"Restructuring  Charges."

                                       20
<PAGE>
     In  addition,  we recorded a charge of $3.4 million in June 2001 related to
our  decision  to  shut  down CCC International in order to focus on U.S. market
opportunities.  This  charge  consisted  of  a  write-off  of  goodwill  of $1.1
million,  contractual  commitments,  including office space, of $0.5 million and
severance  and  related  costs  to  terminate  39 employees of $1.8 million.  In
December  2000,  we decided to shutdown the D.W. Norris outsourcing business due
to  the  significant  losses  incurred  since  the  acquisition,  the  continued
deterioration  of  the overall business and the poor long-term assessment of the
business.  As  a  result,  the  Company recorded a charge of $6.0 million in the
fourth quarter of 2000 to write-off the goodwill, severance and related costs to
terminate  approximately  86  employees,  write-down  the  fixed  assets  to net
realizable  value  and  contractual  commitments.  See  Note  7,  "Restructuring
Charges."

     LITIGATION  SETTLEMENTS.  We  recorded  a charge of $4.3 million, net of an
expected  insurance reimbursement of $2.0 million, in the fourth quarter of 2001
as an estimate of the amount we will contribute towards the potential settlement
of  the largest of the class action lawsuits related to our Total Loss valuation
service.  This  charge  was based on Statement of Financial Accounting Standards
No.  5  "Accounting  For  Contingencies" that establishes standards of financial
accounting  and  reporting  for  loss  contingencies.  It  requires accrual by a
charge to income for an estimated loss from a loss contingency if two conditions
are met: (a) information available prior to issuance of the financial statements
indicates that it is probable that an asset has been impaired or a liability has
been  incurred  at  the  date of the financial statements, and (b) the amount of
loss  can  be  reasonably  estimated.  CCC anticipates that the settlement would
eliminate  the  viability  of  class  claims  in 14 of the 21 class action suits
pending against the Company related to the Total Loss service.  Upon completion,
the  anticipated  settlement  would  resolve  potential  claims  arising  out of
approximately  30%  of  the  Company's  total transaction volume during the time
period  covered  by  the  lawsuit.   The  Company currently anticipates that the
proposed  settlement  would  include  a  resolution  of any potential claims for
indemnification  or  contribution  by its customers relating to the transactions
covered  by  the  settlement.

     In  2000,  we recorded a charge of $1.4 million related to settlement costs
of  an  arbitration  proceeding  before  the  American  Arbitration  Association
captioned  Autobody Software Solutions, Inc. v. CCC Information Services Inc. In
addition,  we  recorded  a  charge of $1.0 million in the fourth quarter of 2000
related  to  settlement  costs of a litigation matter with American Salvage Pool
Association.  See  Note  9,  "Litigation  Settlements."

     INTEREST  EXPENSE.  Interest expense increased from $3.2 million in 2000 to
$5.7  million  in  2001.  The increase from 2000 was driven by a higher level of
borrowings,  an  increase  in  interest rates charged and higher amortization of
deferred  financing  fees related to amendments to the Company's credit facility
agreement,  including  the  write  off of unamortized deferred financing fees of
$1.4  million  related  to  the  prior  credit  facility.

     OTHER  INCOME  (EXPENSE),  NET.  Other income (expense), net decreased from
$5.1 million in 2000 to $(0.2) million in 2001. The decrease from prior year was
principally  due to a $4.1 million gain recorded in the first quarter of 2000 on
the termination of the sales and marketing agreement between InsurQuote Systems,
Inc.  and  CCC.  See  Note  3,  "Investment  in  InsurQuote/ChannelPoint."

     GAIN  ON EXCHANGE OF INVESTMENT SECURITIES, NET.  We recorded a gain in the
second  quarter  of  2000  of approximately $18.4 million in connection with the
exchange  of  our  equity  investment  in InsurQuote securities for ChannelPoint
common stock. Net of income taxes, the gain was approximately $17.7 million. See
Note  3,  "Investment  in  InsurQuote/ChannelPoint."

     LOSS  ON INVESTMENT SECURITIES AND NOTES.  We recorded a loss in the second
quarter  of 2001 of approximately $27.1 million in connection with the write-off
of the investment in ChannelPoint, including a $4.9 million allowance related to
a  note  receivable  plus  accrued  interest.  This  charge  was  based  on  our
evaluation  of  the  collectibility  of  the note and the review of our carrying
value  of  the  ChannelPoint   common  stock.   See  Note   3,   "Investment  in
InsurQuote/ChannelPoint".  In addition, we recorded a loss in the fourth quarter
of  2001  of  approximately  $1.1 million for the write-off of our investment in
Info4cars.com  Inc.,  a  provider  of vehicle history reports and other products
("Info4cars"),  including  a  $0.8 million allowance related to notes receivable
plus  accrued  interest.  This  charge  was  based  on  a  review  of Info4cars'
financial  statements  and  representations  from  Info4cars'  management.

                                       21
<PAGE>
     MINORITY  INTEREST  EXPENSE.  We recorded minority interest expense of $1.4
million associated with the issuance on February 23, 2001 of the Trust Preferred
Securities  to  Capricorn  Investors  III,  L.P.  The  minority interest expense
represents  Capricorn Investors III, L.P.'s share of CCC Capital Trust's income.

     EQUITY IN NET LOSSES OF CHOICEPARTS.  We recorded a charge of  $2.5 million
for  the  year  ended  December  31,  2001 related to our share of the losses in
ChoiceParts  compared  to  a  charge  of $2.1 million for the period May 4, 2000
through  December  31, 2000.  ChoiceParts was established in May 2000.  See Note
5,  "Investment  in  ChoiceParts,  LLC."

     INCOME TAXES.  Income taxes decreased from $3.5 million, or 25.5% of income
from  continuing  operations before taxes, to a tax benefit of $18.3 million, or
45.1%  of  losses  from  continuing  operations before taxes. The tax benefit of
$18.3  million  reflects the tax effect of the shut down of CCC International of
$13.9  million,  the  ChannelPoint  allowance recorded of $2.4 million and other
pre-tax  losses  of  $2.0  million.

     EQUITY  IN  NET  LOSSES  OF AFFILIATES.  Equity in net losses of affiliates
decreased  from  $15.7  million  in 2000 to $2.4 million in 2001. The Enterstand
losses  during the year ended December 31, 2000 reflect the change in percentage
of  losses  recognized  from  19.9%  to 85% for the period April 1, 2000 through
September  30,  2000,  which  corresponded  to the level of funding  we provided
Enterstand  during that period.  During the fourth quarter of 2000 and the first
quarter  of  2001,  we  funded  100%  of  the operating losses of Enterstand and
recorded  100%  of  Enterstand's  operating  losses.  In  conjunction  with  our
decision  to reduce investments in and shut down CCC International, in May 2001,
we  ceased  funding  the  operating  losses  of  Enterstand.  As  a  result, the
operations  of  Enterstand  ceased  and  we  stopped  recording  the  losses  of
Enterstand.

     DISCONTINUED  OPERATIONS. Loss from discontinued operations, the former CCC
Consumer  Services  segment, net of income taxes, increased from $3.7 million in
2000  to  $6.0  million  in  2001.

                                       22
<PAGE>

       QUARTERLY RESULTS OF OPERATIONS/SUPPLEMENTARY FINANCIAL INFORMATION

     The  following table sets forth unaudited condensed consolidated statements
of  operations  for  the  quarters  in  2002 and 2001. These condensed quarterly
statements  of  operations  have  been  prepared  on a basis consistent with the
audited  financial  statements. They include all adjustments, consisting only of
normal recurring adjustments, necessary for a fair presentation of the quarterly
results  of  operations,  when  such  results  are  read in conjunction with the
audited  consolidated  financial statements and the notes thereto. The operating
results for any quarter are not necessarily indicative of results for any future
period.  Amounts  are  in  thousands,  except  for  per  share  data.

<TABLE>
<CAPTION>
                                                                       Three-Month Period Ended
                                       -----------------------------------------------------------------------------------------
                                        MAR.31,    JUNE 30,    SEPT.30,    DEC.31,    MAR.31,    JUNE 30,    SEPT.30,    DEC.31,
                                         2001        2001        2001       2001       2002        2002        2002       2002
                                       -----------------------------------------------------------------------------------------
<S>                                    <C>        <C>         <C>         <C>        <C>        <C>         <C>         <C>
Revenues. . . . . . . . . . . . . . .  $ 47,390   $  46,128   $  46,592   $ 47,831   $ 47,500   $  48,178   $  47,797   $ 48,385
Operating expenses. . . . . . . . . .   (45,632)    (46,885)    (42,741)   (40,510)   (38,290)    (38,978)    (38,641)   (37,779)
Restructuring charges . . . . . . . .         -      (6,199)          -     (4,300)         -           -        (869)         -
Litigation settlements. . . . . . . .         -           -           -     (4,250)         -           -           -          -
                                       -----------------------------------------------------------------------------------------
Operating income (loss) . . . . . . .     1,758      (6,956)      3,851     (1,229)     9,210       9,200       8,287     10,606
Interest expense. . . . . . . . . . .    (1,251)     (1,188)     (1,145)    (2,096)      (228)       (168)       (160)      (152)
Other income (expense), net . . . . .       286         401          44       (979)       217          (7)         76        169
CCC Capital Trust minority interest
   expense. . . . . . . . . . . . . .      (150)       (384)       (410)      (427)      (448)       (461)       (475)    (2,600)
Loss on investment securities and
   notes. . . . . . . . . . . . . . .         -     (27,595)          -       (672)         -           -           -          -
Equity in income (loss) of
   ChoiceParts. . . . . . . . . . . .      (876)       (795)       (481)      (334)      (292)        (50)         47          4
                                       -----------------------------------------------------------------------------------------
Income (loss) from continuing
   operations before income taxes . .      (233)    (36,517)      1,859     (5,737)     8,459       8,514       7,775      8,027
Income tax benefit (provision). . . .       105      17,957        (946)     1,213     (3,243)     (3,218)       (754)    (3,205)
                                       -----------------------------------------------------------------------------------------
Income (loss) from continuing
   operations before equity losses. .      (128)    (18,560)        913     (4,524)     5,216       5,296       7,021      4,822
Equity in net income (losses) of
   affiliates . . . . . . . . . . . .    (2,692)         79         259          -          -           -           -          -
                                       -----------------------------------------------------------------------------------------
Income (loss) from continuing
   operations . . . . . . . . . . . .    (2,820)    (18,481)      1,172     (4,524)     5,216       5,296       7,021      4,822
Income (loss) from discontinued
   operations, net of income taxes. .    (6,982)          -           -      1,010          -           -         354          -
                                       -----------------------------------------------------------------------------------------
Net income (loss) . . . . . . . . . .  $ (9,802)  $ (18,481)  $   1,172  $  (3,514) $   5,216   $   5,296   $   7,375  $   4,822
                                       =========================================================================================

PER SHARE DATA:
 Income (loss) per common share-
   basic. . . . . . . . . . . . . . .  $  (0.45)  $   (0.85)  $    0.05  $   (0.16) $    0.20   $    0.21   $    0.28  $    0.19
                                       =========================================================================================

 Income (loss) per common share-
   diluted. . . . . . . . . . . . . .  $  (0.45)  $   (0.85)  $    0.05  $   (0.16) $    0.20   $    0.20   $    0.27  $    0.17
                                       =========================================================================================

Weighted average shares outstanding:
 Basic. . . . . . . . . . . . . . . .    21,768      21,794      21,821     22,480     25,699      25,826      25,873     26,000
 Diluted. . . . . . . . . . . . . . .    21,768      21,794      21,895     22,480     26,138      26,767      26,904     27,574
</TABLE>

                                       23
<PAGE>

                                OUTLOOK FOR 2003

     As  part  of  the  Company's  fourth  quarter earnings release, the Company
provided  initial  guidance  for  2003  results.

     Revenue  is expected to increase in the low to mid-single digit range, with
growth accelerating in the second half of the year. Operating income is expected
to  be  in  the  $40 to $43 million range. We expect income and operating margin
growth  to  also  accelerate  in  the second half of the year as our new product
releases  are expected to add meaningfully to the baseline. Our EPS target range
is  $0.92  to  $0.96 cents per share, using a fully diluted base of 27.7 million
shares  in  our  calculation.

                         LIQUIDITY AND CAPITAL RESOURCES

     During  the  year  ended  December 31, 2002, net cash provided by operating
activities  was  $45.6  million and proceeds received from the exercise of stock
options  was  $3.1 million. The Company used $13.4 million to purchase the Trust
Preferred  Securities,  $8.6  million for the purchase of equipment and software
and $6.5 million, net, for the repayment of our Credit Facility. Included in the
$45.6  million  net cash provided by operating activities is interest expense of
$4.0  million  related  to  the  Trust  Preferred  Securities.

     Our  principal  liquidity requirements consist of our operating activities,
including  product development, our investments in internal and customer capital
equipment  and potential funding requirements for our ChoiceParts investment and
other  business  development  activities.  We have the ability to operate with a
working  capital  deficit, as we receive substantial payments from our customers
for  our  services in advance of recognizing the revenues and the costs incurred
to  provide such services. We invoice each customer one month in advance for the
following  month's  Pathways'  services. As such, we typically receive cash from
our customers prior to recognizing the revenue and incurring the expense for the
services  provided.  These  amounts  are  reflected  as  deferred revenue in the
consolidated  balance  sheet  until  these  amounts are earned and recognized as
revenues.  In  addition, management believes that cash flows from operations and
our available Credit Facility will be sufficient to meet our liquidity needs for
the  year  ending December 31, 2003. There can be no assurance, however, that we
will  be  able  to satisfy our liquidity needs in the future without engaging in
financing  activities  beyond  those  described  above.

                         OFF-BALANCE SHEET ARRANGEMENTS

     We  are not party to any transactions, arrangements and other relationships
with  unconsolidated  entities  or  other  persons that are reasonably likely to
materially  affect  liquidity or the availability of or requirements for capital
resources.

         EFFECTS OF TRANSACTIONS WITH RELATED AND CERTAIN OTHER PARTIES

     On  February  23,  2001,  CCC  Capital  Trust issued 15,000 Trust Preferred
Securities and CCCG issued 100 shares of its Series F Preferred Stock, par value
$1.00  per share, and a warrant to purchase 1,200,000 shares of its common stock
at  an exercise price of $10.00 per share, which was later reduced to $6.875 per
share,  to Capricorn Investors III, L.P., one of our existing stockholders. CCCG
and CCC Capital Trust received an aggregate purchase price of $15.0 million from
the  sale  of these securities. The proceeds from the sale were used for general
corporate purposes. During the fourth quarter of 2002, the Company purchased the
outstanding  Trust  Preferred  Securities  from  Capricorn for $16.3 million and
recorded  a  $2.5  million  pre-tax  charge.  See  Note 14, "CCC Capital Trust."

     Three  of our largest institutional stockholders and warrant holders, White
River  Ventures,  Inc.,  Capricorn Investors II L.P. and Capricorn Investors III
L.P., agreed to purchase their pro-rata share of the Rights Offering, as well as
all  of  the  shares  not  subscribed  for  by our other stockholders or warrant
holders, up to an aggregate of $20 million. In consideration for this, we issued
these  stockholders  a  total of 293,000 warrants, in December 2001, to purchase
shares of our common stock at a price of $5.50 per share. The closing of the New
Credit  Facility  prior  to  the  Rights Offering required the utilization of an
interim  loan provided by White River Ventures Inc., Capricorn Investors II L.P.
and  Capricorn  Investors  III  L.P.  as part of their agreement to purchase all
those shares not subscribed for by our other stockholders or warrant holders. In
consideration for this, we issued White River Ventures Inc., Capricorn Investors
II L.P. and Capricorn Investors III L.P., a total of 99,612 warrants to purchase
shares  of our common stock at a price of $5.50 per share. This interim loan was
repaid  upon  the  closing of the Rights Offering on December 31, 2001. See Note
15,  "Rights  Offering."

                                       24
<PAGE>
     In  January  2002,  we  received a promissory note from the Chief Executive
Officer and Chairman of the Board in the amount of $1.2 million for the purchase
of  192,000 treasury shares at a price of $6.25 per share.  This promissory note
accrues interest, payable on a quarterly basis beginning March 1, 2003, at 6.75%
and  matures  in  January  2007.

CONTRACTUAL OBLIGATIONS AND COMMERCIAL COMMITMENTS

     Our  contractual  obligations under capital leases and operating leases are
as  follows:
<TABLE>
<CAPTION>
<S>                        <C>      <C>      <C>      <C>     <C>     <C>     <C>
                            TOTAL     2003     2004    2005    2006    2007    THEREAFTER
                           --------------------------------------------------------------
Capital lease obligations  $   646      487      158       -       -       -            -
Operating leases. . . . .  $39,919   11,994   11,020   9,342   2,668   2,529        2,366
                           --------------------------------------------------------------
Total . . . . . . . . . .  $40,565  $12,481  $11,178  $9,342  $2,668  $2,529   $    2,366
                           ==============================================================
</TABLE>

ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

     Due  to  the shut down of our operations in the United Kingdom, in 2001, we
no  longer  believe  our  financial  results will be affected by factors such as
changes  in  foreign  currency exchange rates or weak economic conditions in the
foreign  markets.

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

     The  financial  statements  and supplementary data required with respect to
this  Item 8 are listed in Item 15(a)(1) and 15(a)(2) included elsewhere in this
filing.

ITEM  9.  CHANGES  IN  AND  DISAGREEMENTS  WITH  ACCOUNTANTS  ON  ACCOUNTING AND
FINANCIAL DISCLOSURE

     None.

                                    PART III

ITEM 10. DIRECTORS AND EXECUTIVE OFFICERS OF THE REGISTRANT

     The  information  required by this item is hereby incorporated by reference
in  our definitive proxy statement, which is to be filed with the Securities and
Exchange  Commission within 120 days of the Company's fiscal year ended December
31, 2002.

ITEM 11. EXECUTIVE COMPENSATION

     The  information  required by this item is hereby incorporated by reference
in  our definitive proxy statement, which is to be filed with the Securities and
Exchange  Commission within 120 days of the Company's fiscal year ended December
31, 2002.

                                       25
<PAGE>

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT

     The  information  required by this item is hereby incorporated by reference
in  our definitive proxy statement, which is to be filed with the Securities and
Exchange  Commission within 120 days of the Company's fiscal year ended December
31, 2002.

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS

     The  information  required by this item is hereby incorporated by reference
in  our definitive proxy statement, which is to be filed with the Securities and
Exchange  Commission within 120 days of the Company's fiscal year ended December
31, 2002.

ITEM 14. CONTROLS AND PROCEDURES

Evaluation of disclosure controls and procedures

     The  Company maintains disclosure controls and procedures that are designed
to  ensure  that  information  required to be disclosed in the Company's reports
under  the  Securities  Exchange  Act of 1934 as amended (the "Exchange Act") is
recorded,  processed,  summarized and reported within the time periods specified
in  the  SEC's  rules  and  forms,  and that such information is accumulated and
communicated  to the Company's management, including its Chief Executive Officer
and Chief Financial Officer, as appropriate, to allow timely decisions regarding
required  disclosure.  In  designing  and evaluating the disclosure controls and
procedures,  management  recognized  that any controls and procedures, no matter
how  well  designed  and  operated,  can  provide  only  reasonable assurance of
achieving  the  desired  control  objectives,  and  management  necessarily  was
required  to  apply  its judgment in evaluating the cost-benefit relationship of
possible  controls  and procedures. Also, the Company has investments in certain
unconsolidated  entities.  As  the  Company  does  not  control  or manage these
entities,  its  disclosure controls and procedures with respect to such entities
are  necessarily substantially more limited than those it maintains with respect
to  its  consolidated  subsidiaries.

     Within 90 days prior to the date of this report, the Company carried out an
evaluation,  under  the  supervision and with the participation of the Company's
management,  including  the  Company's Chief Executive Officer and the Company's
Chief Financial Officer, of the effectiveness of the design and operation of the
Company's  disclosure  controls  and  procedures.  Based  on  the foregoing, the
Company's Chief Executive Officer and Chief Financial Officer concluded that the
Company's  disclosure  controls  and  procedures  were  effective.

Changes in internal controls

     There  were no significant changes in the Company's internal controls or in
other  factors  that could significantly affect these controls subsequent to the
date  of  their  evaluation.

                                       26
<PAGE>

                                     PART IV

ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES AND REPORTS ON FORM 8-K

(a) Index to Consolidated Financial Statements and Schedules

     1. Consolidated Financial Statements
                                                                            PAGE

          Report of Independent Accountants                                   28
          Consolidated  Financial  Statements:
            Consolidated Statements of Operations                             29
            Consolidated Balance Sheets                                       30
            Consolidated Statements of Cash Flows                             31
            Consolidated Statements of Stockholders' Equity (Deficit)         33
            Notes to Consolidated Financial Statements                        34

     2. Financial Statement Schedule

        Schedule II Valuation and Qualifying Accounts                         59

        All   other   schedules   have   been   omitted  because   the
        required information is included in  the  financial statements
        or notes thereto or because they are not required.

     3. Exhibits

        The exhibits  required by this item are set forth on the  exhibit
        index attached hereto                                                 60

     (b) Reports  on  Form  8-K

         A report on Form 8-K, dated October 21, 2002, was filed on  October 28,
         2002,  disclosing  information  related  to  the  purchase of the Trust
         Preferred Securities issued by CCC Capital Trust to Capricorn Investors
         III, L.P., one of  the  Company's  major  stockholders.

                                       27
<PAGE>


                        REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Stockholders
     of CCC Information Services Group Inc.:

     In  our  opinion, the consolidated financial statements listed in the index
appearing  under  Item  15(a)1  present  fairly,  in  all material respects, the
financial  position  of CCC Information Services Group Inc. and its subsidiaries
at  December 31, 2002 and December 31, 2001, and the results of their operations
and  their  cash  flows for each of the three years in the period ended December
31,  2002  in  conformity  with  accounting principles generally accepted in the
United  States  of America. In addition, in our opinion, the financial statement
schedule  listed  in  the index appearing under Item 15(a) 2 presents fairly, in
all  material  respects,  the  information  set  forth  therein  when  read  in
conjunction  with the related consolidated financial statements. These financial
statements  and  financial  statement  schedule  are  the  responsibility of the
Company's  management;  our  responsibility  is  to  express an opinion on these
financial  statements  and  financial statement schedule based on our audits. We
conducted  our  audits of these statements in accordance with auditing standards
generally  accepted  in the United States of America, which require that we plan
and perform the audit to obtain reasonable assurance about whether the financial
statements  are free of material misstatement. An audit includes examining, on a
test  basis,  evidence  supporting  the amounts and disclosures in the financial
statements,  assessing  the accounting principles used and significant estimates
made by management, and evaluating the overall financial statement presentation.
We  believe  that  our  audits  provide  a  reasonable  basis  for  our opinion.

PRICEWATERHOUSECOOPERS  LLP

Chicago,  Illinois
January  30,  2003

                                       28
<PAGE>


                    CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                      CONSOLIDATED STATEMENTS OF OPERATIONS
                    (IN THOUSANDS, EXCEPT PER SHARE AMOUNTS)

<TABLE>
<CAPTION>
                                                                     YEAR ENDED DECEMBER 31,
                                                                  -------------------------------
                                                                    2002       2001       2000
                                                                  -------------------------------
<S>                                                               <C>                        <C>  <C>
Revenues . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $191,860   $187,941   $184,641
Expenses:
 Production and customer support . . . . . . . . . . . . . . . .    28,376     32,498     41,449
 Commissions, royalties and licenses . . . . . . . . . . . . . .    10,411     10,129     13,512
 Selling, general and administrative . . . . . . . . . . . . . .    77,449     90,892     86,663
 Depreciation and amortization . . . . . . . . . . . . . . . . .     9,069     11,820     11,499
 Product development and programming . . . . . . . . . . . . . .    28,383     30,429     27,895
 Restructuring charges . . . . . . . . . . . . . . . . . . . . .       869     10,499      6,017
 Litigation settlements. . . . . . . . . . . . . . . . . . . . .         -      4,250      2,375
                                                                  -------------------------------
Operating income (loss). . . . . . . . . . . . . . . . . . . . .    37,303     (2,576)    (4,769)
Interest expense . . . . . . . . . . . . . . . . . . . . . . . .      (708)    (5,680)    (3,135)
Other income (expense), net. . . . . . . . . . . . . . . . . . .       455       (248)     5,101
Gain on exchange of investment securities, net . . . . . . . . .         -          -     18,437
Loss on investment securities and notes. . . . . . . . . . . . .         -    (28,267)         -
CCC Capital Trust minority interest expense. . . . . . . . . . .    (3,984)    (1,371)         -
Equity in losses of ChoiceParts investment . . . . . . . . . . .      (291)    (2,486)    (2,071)
                                                                  -------------------------------
Income (loss) from continuing operations before income taxes . .     32,775    (40,628)   13,563
Income tax (provision) benefit . . . . . . . . . . . . . . . . .    (10,420)    18,329    (3,452)
                                                                  -------------------------------
Income (loss) from continuing operations before equity losses. .     22,355    (22,299)   10,111
Equity in net losses of affiliates . . . . . . . . . . . . . . .          -     (2,354)  (15,650)
                                                                  -------------------------------
Income (loss) from continuing operations . . . . . . . . . . . .     22,355    (24,653)   (5,539)
Income (loss) from discontinued operations, net of income taxes.        354     (5,972)   (3,704)
                                                                  -------------------------------
Net income (loss). . . . . . . . . . . . . . . . . . . . . . . .  $  22,709   $(30,625)  $(9,243)
                                                                  ===============================

PER SHARE DATA:
Income (loss) per common share - basic from:
 Income (loss) from continuing operations. . . . . . . . . . . .  $    0.86   $  (1.12)  $ (0.25)
 Income (loss) from discontinued operations. . . . . . . . . . .       0.01      (0.27)    (0.17)
                                                                  -------------------------------
 Income (loss) per common share-basic. . . . . . . . . . . . . .  $    0.87   $  (1.39)  $ (0.42)
                                                                  ===============================

Income (loss) per common share - diluted from:
 Income (loss) from continuing operations. . . . . . . . . . . .  $    0.83   $  (1.12)  $ (0.25)
 Loss from discontinued operations . . . . . . . . . . . . . . .       0.01      (0.27)    (0.17)
                                                                  -------------------------------
 Income (loss) per common share-diluted. . . . . . . . . . . . .  $    0.84   $  (1.39)  $ (0.42)
                                                                  ===============================
Weighted average shares outstanding:
 Basic . . . . . . . . . . . . . . . . . . . . . . . . . . . . .     25,850     21,967     21,851
 Diluted . . . . . . . . . . . . . . . . . . . . . . . . . . . .     26,904     21,967     21,851
</TABLE>

              The accompanying notes are an integral part of these
                       consolidated financial Statements.

                                       29
<PAGE>


                       CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                           CONSOLIDATED BALANCE SHEETS
                      (IN THOUSANDS, EXCEPT SHARE AMOUNTS)

<TABLE>
<CAPTION>
                                                                                        DECEMBER 31,
                                                                                -------------------------
                                                                                      2002        2001
                                                                                -------------------------
<S>                                                                             <C>             <C>
ASSETS
Cash and cash equivalents. . . . . . . . . . . . . . . . . . . . . . . . . . .  $    20,200   $       766
Accounts receivable, net . . . . . . . . . . . . . . . . . . . . . . . . . . .       10,281        11,346
Current portion deferred income taxes. . . . . . . . . . . . . . . . . . . . .            -         5,322
Other current assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        8,499         6,461
                                                                                -------------------------
 Total current assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . .       38,980        23,895

Property and equipment, net. . . . . . . . . . . . . . . . . . . . . . . . . .       12,407        13,487
Goodwill . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        4,896         4,896
Deferred income taxes, net . . . . . . . . . . . . . . . . . . . . . . . . . .       10,454        18,587
Investments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .          479           302
Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .          627         1,027
                                                                                -------------------------
 Total assets. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $    67,843   $    62,194
                                                                                =========================
LIABILITIES AND STOCKHOLDERS' EQUITY (DEFICIT)
Book overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $         -   $     1,205
Accounts payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        8,424         7,658
Accrued expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .       25,441        28,570
Income taxes payable . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        2,568             -
Current portion of deferred revenues . . . . . . . . . . . . . . . . . . . . .        6,503         6,297
Other current liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . .          488           421
                                                                                -------------------------
 Total current liabilities . . . . . . . . . . . . . . . . . . . . . . . . . .       43,424        44,151

Long-term debt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .            -         7,145
Deferred revenues. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .           13            66
Other liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .        3,222         3,737
Net liabilities of discontinued operations . . . . . . . . . . . . . . . . . .            -           536
                                                                                -------------------------

 Total liabilities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .       46,659        55,635
                                                                                -------------------------
Commitments and contingencies (Notes 21 and 23)

Company obligated mandatorily redeemable preferred securities of subsidiary
   trust holding solely company-guaranteed debentures. . . . . . . . . . . . .            -        13,370
                                                                                -------------------------

Common stock ($0.10 par value, 40,000,000 shares authorized, 26,074,889 and
   25,503,567 shares outstanding at December 31, 2002 and 2001, respectively).        3,005         2,967
Additional paid-in capital . . . . . . . . . . . . . . . . . . . . . . . . . .      128,766       124,188
Accumulated deficit. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .      (62,878)      (85,587)
Accumulated other comprehensive loss . . . . . . . . . . . . . . . . . . . . .            -           (10)
Notes receivable from officer. . . . . . . . . . . . . . . . . . . . . . . . .        1,506)            -
Treasury stock, at cost (4,094,665 and 4,286,665 common shares in treasury at
   December 31, 2002 and December 31, 2001, respectively). . . . . . . . . . .      (46,203)      (48,369)
                                                                                -------------------------

 Total stockholders' equity (deficit). . . . . . . . . . . . . . . . . . . . .       21,184        (6,811)
                                                                                -------------------------
 Total liabilities and stockholders' equity (deficit). . . . . . . . . . . . .  $    67,843   $    62,194
                                                                                =========================
</TABLE>
              The accompanying notes are an integral part of these
                        consolidated financial statements.

                                       30
<PAGE>


                       CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                      CONSOLIDATED STATEMENTS OF CASH FLOWS
                                 (IN THOUSANDS)

<TABLE>
<CAPTION>
                                                                                        DECEMBER 31,
                                                                           ---------------------------------
                                                                                2002       2001       2000
                                                                           ---------------------------------
<S>                                                                        <C>           <C>        <C>
Operating Activities:
 Net income (loss). . . . . . . . . . . . . . . . . . . . . . . . . . . .  $    22,709   $(30,625)  $ (9,243)
 Adjustments to reconcile net income (loss) to net cash
    provided by operating activities:
 (Income) loss from discontinued operations, net of income taxes. . . . .         (354)     5,972      3,704
 Equity in net losses of affiliates . . . . . . . . . . . . . . . . . . .            -      2,354     15,650
 Equity in net losses of ChoiceParts. . . . . . . . . . . . . . . . . . .          291      2,486      2,071
 Depreciation and amortization of property and equipment. . . . . . . . .        9,069     10,574      9,698
 Amortization of goodwill . . . . . . . . . . . . . . . . . . . . . . . .            -      1,247      2,173
 Deferred income tax provision (benefit). . . . . . . . . . . . . . . . .       13,456    (17,331)    (1,254)
 Loss on investment securities and notes receivable . . . . . . . . . . .            -     28,267          -
 Gain on exchange of investment securities, net . . . . . . . . . . . . .            -          -    (18,437)
 Gain on settlement of marketing agreement. . . . . . . . . . . . . . . .            -          -     (3,644)
 Restructuring charges. . . . . . . . . . . . . . . . . . . . . . . . . .          869     10,499      6,017
 CCC Capital Trust minority interest expense. . . . . . . . . . . . . . .            -      1,371          -
 Interest on notes receivable from officer. . . . . . . . . . . . . . . .         (106)         -          -
 Write-off of internally developed software . . . . . . . . . . . . . . .            -          -      2,906
 Other, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .          191        326        (86)
 Changes in:
   Accounts receivable, net . . . . . . . . . . . . . . . . . . . . . . .        1,065      5,521      1,824
   Other current assets . . . . . . . . . . . . . . . . . . . . . . . . .       (1,649)    (1,331)     1,619
   Other assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . .          400      1,689      1,439
   Accounts payable . . . . . . . . . . . . . . . . . . . . . . . . . . .         (437)    (9,649)    (1,818)
   Accrued expenses . . . . . . . . . . . . . . . . . . . . . . . . . . .       (2,021)     4,518      2,629
   Income taxes payable . . . . . . . . . . . . . . . . . . . . . . . . .        3,459      3,533      1,101
   Deferred revenues. . . . . . . . . . . . . . . . . . . . . . . . . . .          153      2,198        895
   Other liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . .       (1,543)       112        (22)
                                                                           ---------------------------------
 Net cash provided by operating activities:
   Continuing operations. . . . . . . . . . . . . . . . . . . . . . . . .       45,552     21,731     17,222
   Discontinued operations. . . . . . . . . . . . . . . . . . . . . . . .           30     (3,485)    (4,783)
                                                                           ---------------------------------
 Net cash provided by operating activities. . . . . . . . . . . . . . . .       45,582     18,246     12,439
                                                                           ---------------------------------
Investing Activities:
 Capital expenditures . . . . . . . . . . . . . . . . . . . . . . . . . .       (8,609)    (2,889)   (17,508)
 Capitalized acquisition costs. . . . . . . . . . . . . . . . . . . . . .         (193)         -          -
 Investment in affiliates . . . . . . . . . . . . . . . . . . . . . . . .         (275)    (5,163)   (13,691)
 Issuance of warrants to Hearst . . . . . . . . . . . . . . . . . . . . .          318        475          -
 Purchase of InsurQuote securities. . . . . . . . . . . . . . . . . . . .            -          -       (527)
 Settlement of ChannelPoint note receivable . . . . . . . . . . . . . . .            -        460          -
 Proceeds from sale of discontinued businesses. . . . . . . . . . . . . .            -        657          -
 Other, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .            -        120        (75)
                                                                           ---------------------------------
 Net cash used for investing activities . . . . . . . . . . . . . . . . .       (8,759)    (6,340)   (31,801)
                                                                           ---------------------------------

                                       31
<PAGE>
Financing Activities:
 Book overdraft . . . . . . . . . . . . . . . . . . . . . . . . . . . . .            -     (7,477)     7,052
 Principal repayments on long-term debt . . . . . . . . . . . . . . . . .      (28,500)   (88,875)   (35,811)
 Proceeds from borrowings on long-term debt . . . . . . . . . . . . . . .       22,000     53,375     53,000
 Proceeds from Rights Offering. . . . . . . . . . . . . . . . . . . . . .            -     20,000          -
 Payment of Trust Preferred, Credit Facility and Rights Offering costs. .            -     (4,342)         -
 Proceeds from issuance of Trust Preferred Securities and warrants. . . .            -     15,206          -
 Purchase of Trust Preferred Securities . . . . . . . . . . . . . . . . .      (13,369)         -          -
 Proceeds from exercise of stock options. . . . . . . . . . . . . . . . .        3,112        109      2,498
 Proceeds from employee stock purchase plan . . . . . . . . . . . . . . .          377        530        632
 Payments to acquire treasury stock . . . . . . . . . . . . . . . . . . .            -          -     (8,235)
 Principal repayments of capital lease obligations. . . . . . . . . . . .         (421)      (578)         -
 Principal repayments on short term note. . . . . . . . . . . . . . . . .         (588)         -          -
 Other, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .            -          -        (51)
                                                                           ---------------------------------
 Net cash provided by (used for) financing activities . . . . . . . . . .      (17,389)   (12,052)    19,085
                                                                           ---------------------------------

Net increase (decrease) in cash and cash equivalents. . . . . . . . . . .       19,434       (146)      (277)
Cash and cash equivalents
Beginning of year . . . . . . . . . . . . . . . . . . . . . . . . . . . .          766        912      1,189
                                                                           ---------------------------------
End of year . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $    20,200   $    766   $    912
                                                                           =================================
</TABLE>
              The accompanying notes are an integral part of these
                       consolidated financial statements.

                                       32
<PAGE>


                       CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

            CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (DEFICIT)
                    (IN THOUSANDS, EXCEPT NUMBER OF SHARES)

<TABLE>
<CAPTION>
                                                                OUTSTANDING
                                                                COMMON STOCK                                 ACCUMULATED
                                                            ------------------- ADDITIONAL                      OTHER
                                                             NUMBER OF    PAR     PAID-IN    ACCUMULATED    COMPREHENSIVE
                                                              SHARES     VALUE    CAPITAL      DEFICIT      LOSS (INCOME)
                                                            --------------------------------------------------------------
<S>                                                         <C>          <C>     <C>        <C>            <C>
December 31, 1999. . . . . . . . . . . . . . . . . . . . .  21,991,826   $2,549  $ 98,799   $    (45,719)  $          (65)
  Stock options exercised including income tax benefit . .     358,267       36     3,856              -                -
  Employee stock purchase plan . . . . . . . . . . . . . .      77,736        8       624              -                -
  Treasury stock purchases . . . . . . . . . . . . . . . .    (683,550)       -         -              -                -
  Translation adjustment . . . . . . . . . . . . . . . . .           -        -         -              -             (358)
  Other. . . . . . . . . . . . . . . . . . . . . . . . . .      15,000        -         -              -                -
  Net loss . . . . . . . . . . . . . . . . . . . . . . . .           -        -         -         (9,243)               -
                                                            --------------------------------------------------------------
  Comprehensive loss . . . . . . . . . . . . . . . . . . .           -        -         -         (9,243)            (358)
                                                            --------------------------------------------------------------
December 31, 2000. . . . . . . . . . . . . . . . . . . . .  21,759,279   $2,593  $103,279   $    (54,962)  $         (423)
                                                            --------------------------------------------------------------

  Rights Offering proceeds, net of offering costs. . . . .   3,636,364      363    18,108              -                -
  Issuance of warrants in connection with interim loan . .           -        -       206              -                -
  Warrants issued in connection with Trust Preferred
  Securities . . . . . . . . . . . . . . . . . . . . . . .           -        -     3,000              -                -
  Issuance costs of Trust Preferred Securities . . . . . .           -        -    (1,039)             -                -
  Stock options exercised including income tax benefit . .      14,600        1       114              -                -
  Employee stock purchase plan . . . . . . . . . . . . . .      93,324       10       520              -                -
  Translation adjustment . . . . . . . . . . . . . . . . .           -        -         -              -              413
  Net loss . . . . . . . . . . . . . . . . . . . . . . . .           -        -         -        (30,625)               -
                                                            --------------------------------------------------------------
  Comprehensive loss . . . . . . . . . . . . . . . . . . .           -        -         -        (30,625)             413
                                                            --------------------------------------------------------------
December 31, 2001. . . . . . . . . . . . . . . . . . . . .  25,503,567   $2,967  $124,188   $    (85,587)  $          (10)
                                                            --------------------------------------------------------------
  Issuance of warrants to Hearst . . . . . . . . . . . . .           -        -       793              -                -
  Treasury stock purchases . . . . . . . . . . . . . . . .     192,000        -      (966)             -                -
  Interest on  notes receivable from officer . . . . . . .           -        -         -              -                -
  Stock options exercised including income tax benefit . .     334,402       35     3,781              -                -
  Employee stock purchase plan . . . . . . . . . . . . . .      44,920        3       374              -                -
  Tax benefit related to issuance costs of Trust Preferred
  Securities . . . . . . . . . . . . . . . . . . . . . . .           -        -       399              -                -
  Translation adjustment . . . . . . . . . . . . . . . . .           -        -         -              -               10
  Other. . . . . . . . . . . . . . . . . . . . . . . . . .           -        -       197              -                -
  Net income . . . . . . . . . . . . . . . . . . . . . . .           -        -         -         22,709                -
                                                            --------------------------------------------------------------
December 31, 2002. . . . . . . . . . . . . . . . . . . . .  26,074,889   $3,005  $128,766   $    (62,878)  $            -
                                                            ==============================================================

                                                              NOTES       TREASURY STOCK
                                                           RECEIVABLE  ---------------------       TOTAL
                                                              FROM     NUMBER OF                STOCKHOLDERS'
                                                             OFFICER     SHARES      COST     EQUITY (DEFICIT)
                                                            ---------------------------------------------------
<S>                                                         <C>        <C>         <C>        <C>
December 31, 1999. . . . . . . . . . . . . . . . . . . . .  $      -   3,618,115   $(40,303)  $         15,261
  Stock options exercised including income tax benefit . .         -           -          -              3,892
  Employee stock purchase plan . . . . . . . . . . . . . .         -           -          -                632
  Treasury stock purchases . . . . . . . . . . . . . . . .         -     683,550     (8,235)            (8,235)
  Translation adjustment . . . . . . . . . . . . . . . . .         -           -          -               (358)
  Other. . . . . . . . . . . . . . . . . . . . . . . . . .         -     (15,000)       169                169
  Net loss . . . . . . . . . . . . . . . . . . . . . . . .         -           -          -             (9,243)
                                                            ---------------------------------------------------
  Comprehensive loss . . . . . . . . . . . . . . . . . . .         -           -          -             (9,601)
                                                            ---------------------------------------------------
December 31, 2000. . . . . . . . . . . . . . . . . . . . .  $      -   4,286,665   $(48,369)  $          2,118
                                                            ---------------------------------------------------
  Rights Offering proceeds, net of offering costs. . . . .         -           -          -             18,471
  Issuance of warrants in connection with interim loan . .         -           -          -                206
  Warrants issued in connection with Trust Preferred
  Securities . . . . . . . . . . . . . . . . . . . . . . .         -           -          -              3,000
  Issuance costs of Trust Preferred Securities . . . . . .         -           -          -             (1,039)
  Stock options exercised including income tax benefit . .         -           -          -                115
  Employee stock purchase plan . . . . . . . . . . . . . .         -           -          -                530
  Translation adjustment . . . . . . . . . . . . . . . . .         -           -          -                413
  Net loss . . . . . . . . . . . . . . . . . . . . . . . .         -           -          -            (30,625)
                                                            ---------------------------------------------------
  Comprehensive loss . . . . . . . . . . . . . . . . . . .         -           -          -            (30,212)
                                                            ---------------------------------------------------
December 31, 2001. . . . . . . . . . . . . . . . . . . . .  $      -   4,286,665   $(48,369)  $         (6,811)
                                                            ---------------------------------------------------
  Issuance of warrants to Hearst . . . . . . . . . . . . .         -           -          -                793
  Treasury stock purchases . . . . . . . . . . . . . . . .    (1,200)   (192,000)     2,166                  -
  Interest on  notes receivable from officer . . . . . . .      (106)          -          -               (106)
  Stock options exercised including income tax benefit . .         -           -          -              3,816
  Employee stock purchase plan . . . . . . . . . . . . . .         -           -          -                377
  Tax benefit related to issuance costs of Trust Preferred
  Securities . . . . . . . . . . . . . . . . . . . . . . .         -           -          -                399
  Translation adjustment . . . . . . . . . . . . . . . . .         -           -          -                 10
  Other. . . . . . . . . . . . . . . . . . . . . . . . . .      (200)          -          -                 (3)
  Net income . . . . . . . . . . . . . . . . . . . . . . .         -           -          -             22,709
                                                            ---------------------------------------------------
December 31, 2002. . . . . . . . . . . . . . . . . . . . .  $ (1,506)  4,094,665   $(46,203)  $         21,184
                                                            ===================================================
</TABLE>

              The accompanying notes are an integral part of these
                       consolidated financial statements.

                                       33
<PAGE>


                       CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

NOTE 1 - DESCRIPTION OF BUSINESSES AND ORGANIZATION

     CCC  Information  Services Group Inc. ("CCCG"), incorporated in Delaware in
1983  and headquartered in Chicago, Illinois, is a holding company that operates
through  its  wholly-owned  subsidiary, CCC Information Services Inc. ("CCC" and
together  with  CCCG,  collectively referred to as the "Company" or "we"), which
operates  as  one  business  segment.  As  of  December 31, 2002 we employed 834
full-time employees, compared to 862 at the end of 2001. We automate the process
of  evaluating  and  settling automobile claims. Our products and services allow
our  customers  to integrate estimate information, including labor time and cost
and  various other calculations derived from our extensive databases, electronic
images,  documents  and related information into organized electronic workfiles.
We  develop,  market  and  supply  a variety of automobile claims services which
enable  customers  in  the  automobile  claims  industry,  including  automobile
insurance  companies,  collision  repair  facilities, independent appraisers and
automobile  dealers  to  manage  the  automobile  claims and vehicle restoration
process.  Our  principal products and services are Total Loss valuation services
and  Pathways  collision  estimating  software, which provide our customers with
access  to  various  automobile  information  databases  and  claims  management
software.

     As  of  December  31,  2002, White River Ventures Inc. ("White River") held
approximately  33%  of  our  outstanding common stock. In June 1998, White River
Corporation,  the  sole  shareholder  of  White  River,  was acquired by Demeter
Holdings Corporation, which is solely controlled by the President and Fellows of
Harvard  College,  a  Massachusetts  educational  corporation  and title-holding
company  for  the  endowment  fund  of  Harvard  University. Charlesbank Capital
Partners  LLC serves as the investment manager with respect to the investment of
White  River  in  the  Company.

NOTE 2 - SIGNIFICANT ACCOUNTING POLICIES

BASIS OF CONSOLIDATION

     The  accompanying consolidated financial statements include the accounts of
the  Company  and its subsidiaries, which are currently wholly owned or majority
owned.

CASH AND CASH EQUIVALENTS

     The  Company  considers  all  highly  liquid  investments purchased with an
original or remaining maturity of less than three months at the date of purchase
to  be  cash  equivalents.  All  cash  equivalents  are  carried  at cost, which
approximates  fair  value.  Any  realized  gains  or  losses  are  shown  in the
accompanying  consolidated  statements of operations in other income or expense.

REVENUE RECOGNITION

     Revenues  are  recognized  after  services  are  provided,  when persuasive
evidence  of  an  arrangement exists, the fee is fixed and determinable and when
collection  is  probable.  Revenue  is deferred until all of the above-mentioned
criteria  are  met. Revenues are reflected net of customer allowances, which are
based  on the application of a predetermined percentage.  During the years ended
December  31,  2002,  2001  and  2000,  57%,  60%  and  62%,  respectively,  of
consolidated  revenues  were  derived  from  insurance  companies.

                                       34
<PAGE>

ACCOUNTS RECEIVABLE, NET

     Accounts  receivable  as presented in the accompanying consolidated balance
sheets  are  net  of reserves for customer allowances and doubtful accounts. The
Company  determines   allowances  for  accounts  receivable  based  on  specific
identification  of customer accounts requiring allowances and the application of
a predetermined percentage to the remaining accounts receivable balances.  As of
both,  December  31, 2002 and 2001, $2.3 million has been applied as a reduction
of  accounts  receivable.  Of  total  accounts  receivable,  net of reserves, at
December  31,  2002 and 2001, $9.5 million and $10.4 million, respectively, were
due  from  insurance  companies.

     Activity  in  the  allowance  for  doubtful  account  is  as  follows:

<TABLE>
<CAPTION>
<S>                                       <C>            <C>         <C>         <C>                            <C>
                                            BALANCE AT     CHARGED TO   CHARGED TO   WRITE-OFFS   BALANCE AT
                                           BEGINNING OF     COSTS AND     OTHER        NET OF       END OF
DESCRIPTION                                   PERIOD        EXPENSES     ACCOUNTS    RECOVERIES     PERIOD
----------------------------------------  ------------------------------------------------------------------

2000 Allowance for Doubtful Accounts (a)    $     3,914       4,172          97        (4,912)  $    3,271
2001 Allowance for Doubtful Accounts (a)    $     3,271       1,920          83        (2,986)  $    2,288
2002 Allowance for Doubtful Accounts        $     2,288       1,755          26        (1,756)  $    2,313
</TABLE>

     (a)  The  allowance  for  doubtful  accounts  for  2000  and 2001 have been
          restated  to  exclude  balances  related  to  discontinued operations.

SOFTWARE DEVELOPMENT COSTS

     The  Company  expenses research and development costs as they are incurred.
The  Company has evaluated the establishment of technological feasibility of its
software products in accordance with Statement of Financial Accounting Standards
("SFAS")  No.  86,  "Accounting  for  the Costs of Computer Software to be Sold,
Leased  or  Otherwise Marketed." The Company sells its products in a market that
is  subject  to rapid technological change, new product development and changing
customer needs. Accordingly, technological feasibility of the Company's products
is  generally  not  established  until  the development of the product is nearly
complete.  The  Company defines technological feasibility as the completion of a
working  model. The period of time during which costs could be capitalized, from
the  point  of  reaching  technological  feasibility  until  the time of general
product  release,  has  historically  been very short and, consequently, amounts
subject  to  capitalization  have not been significant. For the years 2002, 2001
and  2000,  research  and development costs of approximately $7.6 million, $13.0
million  and  $11.1  million,  respectively,  are  reflected in the accompanying
consolidated  statements  of  operations.

PROPERTY AND EQUIPMENT

     Property  and equipment is stated at cost, net of accumulated depreciation.
Depreciation  of  equipment  is computed on a straight-line basis over estimated
useful  lives. The Company uses a 2-3 year life for computer equipment; 2-3 year
life  for  purchased software, licenses and databases; 5 year life for furniture
and  other  equipment;  the  term  of  the lease, ranging from 3 to 15 years for
leasehold  improvements;  the  term  of the lease for capital leases and 20 year
life  for  buildings.

                                       35
<PAGE>

GOODWILL

     The  excess  of  purchase  price  paid  over  the  estimated  fair value of
identifiable  tangible  and  intangible  net  assets  of  acquired businesses is
capitalized  and  reviewed  for  impairment  on  at  least  an  annual basis. In
addition,  when  events  or  changes in circumstances indicate that the carrying
value  of  such  assets  may  not  be  recoverable,  we  perform  an analysis of
undiscounted  future  cash  flows  to  determine  whether  recorded  amounts are
impaired.  As  of  December  31,  2002, no such impairment existed. The goodwill
balance as of December 31, 2002 was $4.9 million.  This goodwill originated from
a  1988 acquisition that included the Total Loss service.  We currently generate
approximately 24% of our total revenue from Total Loss and related services.  In
the  future,  net  cash  flows  from  the Total Loss service will be utilized in
determining  if  the  goodwill  is  impaired.

     See  Note  7,  "Restructuring  Charges"  for discussion of the write-off of
goodwill  in  2000  and  2001  related  to  the  shut down of CCC International.

     The  following  table  presents the impact of SFAS 142 on net income (loss)
and  net  income (loss) per share had the accounting standard been in effect for
fiscal  2001  and  2000  (in  thousands,  except  per-share  amounts):

<TABLE>
<CAPTION>
<S>                                                <C>      <C>        <C>
                                                        2002      2001      2000
                                                      ----------------------------

Net income (loss) - as reported . . . . . . . . . .   $22,709  $(30,625)  $(9,243)
Amortization of goodwill. . . . . . . . . . . . . .         -     1,247     2,173
                                                      ----------------------------
Net income (loss) - as adjusted . . . . . . . . . .   $22,709  $(29,378)  $(7,070)
                                                      ============================
Basic net income (loss) per share - as reported . .   $  0.87  $  (1.39)  $ (0.42)
                                                      ============================
Basic net income (loss) per share - as adjusted . .   $  0.87  $  (1.34)  $ (0.32)
                                                      ============================
Diluted net income (loss) per share - as reported .   $  0.84  $  (1.39)  $ (0.42)
                                                      ============================
Diluted net income (loss) per share - as adjusted .   $  0.84  $  (1.34)  $ (0.32)
                                                      ============================
</TABLE>

DEFERRED FINANCING COSTS

     Deferred financing costs are capitalized and amortized over the life of the
underlying  financing  agreement.  As  of  December  31, 2002 and 2001, deferred
financing  costs,  net  of  accumulated  amortization,  of $0.6 million and $0.9
million,  respectively,  were  included  in  other  assets  in  the  Company's
consolidated  balance  sheet.

FOREIGN CURRENCY

     The  Company  has  determined  that the functional currency of each foreign
operation  is  the local currency. Assets and liabilities denominated in foreign
currencies are translated into United States dollars at the exchange rate on the
balance  sheet date, while revenues and expenses are translated at average rates
of exchange prevailing during the period. During the fourth quarter of 2001, the
Company  recorded a foreign currency loss of $0.4 million in connection with the
shut  down  of  CCC  International.  Translation adjustments of $0.4 million and
$(0.4)  million  for  2001  and  2000, respectively, are included in accumulated
other  comprehensive  loss  as  a  separate  component  of  stockholders' equity
(deficit)  in  the  consolidated  balance  sheet.

                                       36
<PAGE>

INCOME TAXES

     Deferred  income  taxes  are provided for timing differences in recognizing
certain  income  and  expense  items  for  financial  reporting  purposes.  Such
deferred  income  taxes primarily relate to the timing of recognition of certain
revenue  and  expense items, the timing of the deductibility of certain reserves
and  accruals  for income tax purposes.  The Company establishes a tax valuation
allowance  to  the  extent that it is more likely than not that the deferred tax
assets  will  not  be  realizable  against  future  taxable  income.

FAIR VALUE OF FINANCIAL INSTRUMENTS

     The carrying amount of the Company's financial instruments approximates its
estimated  fair  value  based upon market prices for the same or similar type of
financial instruments. The Company performs an impairment review whenever events
or  changes  in  circumstances  indicate  that   the  carrying  value  of  these
investments  and  notes  receivable  may not be recoverable. Factors the Company
considers  important,  which  could  trigger an impairment review include market
conditions,  valuations for similar companies, financial performance and a going
concern  risk.  See  Note 3, "Investment in InsurQuote/ChannelPoint" and Note 6,
"Dispositions."

STOCK BASED COMPENSATION

     The Company follows SFAS No. 123, "Accounting for Stock Based Compensation"
("SFAS  123").  As  allowed  by SFAS 123, the Company has elected to continue to
account for its stock based compensation programs according to the provisions of
Accounting Principles Board ("APB") Opinion No. 25, "Accounting for Stock Issued
to  Employees."  The  Company  has adopted the disclosure provisions required by
SFAS  123.

PER SHARE INFORMATION

     Earnings  per  share  are based on the weighted average number of shares of
common  stock  outstanding and common stock equivalents using the treasury stock
method.  See  Note  20,  "Earnings  Per  Share."

PERVASIVENESS OF ESTIMATES

     The  preparation  of  financial  statements  in  conformity  with generally
accepted  accounting  principles  requires  management  to  make  estimates  and
assumptions  that  affect  the  reported  amount  of  assets and liabilities and
disclosure  of  contingent  assets  and  liabilities  as  of  the  date  of  the
consolidated  financial  statements,  and  that  affect  the reported amounts of
revenues  and  expenses during the reporting period. Actual results could differ
from  these  estimates.

NEW ACCOUNTING PRONOUNCEMENTS

     On  July  30,  2002,  the  FASB  issued  Statement  of Financial Accounting
Standards  No.  146,  "Accounting  for  Costs  Associated  with Exit or Disposal
Activities"  ("SFAS  146").  The  standard requires companies to recognize costs
associated  with  exit  or  disposal  activities  at  fair  value, when they are
incurred  rather  than  at the date of a commitment to an exit or disposal plan.
SFAS 146 is to be applied prospectively to exit or disposal activities initiated
after  December  31, 2002. The Company anticipates that the adoption of SFAS 146
will not have a significant effect on the Company's results of operations or its
financial  position.

                                       37
<PAGE>

     In  November  2002,  the FASB issued FASB Interpretation No. 45 ("FIN 45"),
"Guarantor's  Accounting  and  Disclosure Requirements for Guarantees, Including
Indirect Guarantees of Indebtedness of Others." FIN 45 requires that a liability
be  recorded  in the guarantor's balance sheet upon issuance of a guarantee. The
adoption of FIN 45 did not have a significant effect on the Company's results of
operations  or  its  financial  position.

      In  November  2002,  the  EITF  reached  a  consensus  on Issue No. 00-21,
"Revenue Arrangements with Multiple Deliverables." EITF Issue No. 00-21 provides
guidance  on  how  to  account  for  arrangements  that  involve the delivery or
performance  of  multiple  products,  services  and/or rights to use assets. The
provisions  of  EITF  Issue No. 00-21 will apply to revenue arrangements entered
into  in  fiscal  periods  beginning  after  June  15,  2003.  CCC  is currently
evaluating the effect that the adoption of EITF Issue No. 00-21 will have on its
results  of  operations  and  financial  condition.

     In  December  2002,  the  FASB  issued  Statement  of  Financial Accounting
Standards  No.  148,  "Accounting  for  Stock-Based  Compensation-Transition and
Disclosure-an  amendment  of  FASB Statement No. 123" ("SFAS 148"). The standard
provides  alternative  methods  of transition for a voluntary change to the fair
value  based  method  of  accounting  for  stock-based employee compensation. In
addition,  this Statement amends the disclosure requirements of Statement 123 to
require  prominent  disclosure  in  both annual and interim financial statements
about  the  method  of  accounting for stock-based employee compensation and the
effect  of  the  method used on reported results. The Company will adopt the new
disclosure  requirements,  as  required in the quarterly report on Form 10-Q for
the  quarterly  period  ended  March  31, 2003. The Company anticipates that the
adoption of SFAS 148 will not have a significant effect on the Company's results
of  operations  or  its  financial  position.

RECLASSIFICATIONS

     Certain  reclassifications  have  been  made  to the prior year's financial
statements  in  order  to  conform  to  the  current  year's  presentation.

NOTE 3 - INVESTMENT IN INSURQUOTE/CHANNELPOINT

     In  1998,  the  Company  invested $20.0 million in InsurQuote Systems, Inc.
("InsurQuote").  InsurQuote,  formed in 1989, was a provider of insurance rating
information  and  software  used to manage that information. The Company's $20.0
million  investment  included  19.9% of InsurQuote common stock, an $8.9 million
subordinated note, warrants, shares of Series C redeemable convertible preferred
stock  and  Series  D  convertible  preferred  stock.

     Also in 1998, the Company and InsurQuote entered into a sales and marketing
agreement  that  gave  the  Company certain rights to market and sell InsurQuote
products  to  the  automobile  insurance  carrier  market.  This  agreement  was
subsequently  amended  in March 1999.  In March 2000, the Company and InsurQuote
agreed  to  terminate  the  sales  and  marketing  agreement.  As  part  of  the
termination  agreement, the Company received $5.0 million, of which $4.5 million
was  paid  in the form of an unsecured, subordinated promissory note maturing in
September  2002 and bearing interest at 7.5%, and was paid $0.5 million in cash.
As  a  result  of  the termination agreement, the Company recorded a gain on the
settlement  of  this agreement of approximately $4.1 million, which was included
in  other  income in the consolidated statement of operations for the year ended
December  31,  2000.

     In  2001, the Company evaluated the collectibility of the $4.5 million note
receivable from ChannelPoint, which had since acquired InsurQuote.  Based on the
evaluation,  the  Company  provided  an  allowance  of $4.9 million for the note
receivable  and  accrued interest through June 30, 2001.  A deferred tax benefit
of  $1.8 million was recorded as a result of this allowance.  This determination
was  based  on  ChannelPoint's  financial performance, cash balances and a going
concern  risk.  Subsequently, the Company received $460,000 from ChannelPoint in
full  settlement  of  the  loan  obligations  outstanding.

                                       38
<PAGE>

     In 2000, ChannelPoint, Inc., an e-commerce exchange services and technology
platform  provider  for  insurance  and benefits companies, acquired InsurQuote.
Under  the  terms  of  the  transaction,  the  Company exercised its warrant for
InsurQuote  common  stock  in  exchange  for  surrendering   its   $8.9  million
subordinated  note  from  InsurQuote.  In  addition,  the  Company invested $0.5
million  in  cash  and converted $0.3 million in interest receivables associated
with  the $8.9 million subordinated note for additional common stock. Subsequent
to  these  transactions  being completed, the Company's securities in InsurQuote
were  then exchanged for common stock in the combined entity, ChannelPoint, Inc.
("ChannelPoint").  As  a  result  of  this  transaction,  the  Company  now owns
5,036,635  shares, representing approximately 5.8%, on a fully diluted basis, of
ChannelPoint's  common  stock.

     As  a  result of the Company exchanging its equity investment in InsurQuote
securities  for  ChannelPoint's  common  stock,  the  Company's  investment  was
recorded  at its fair market value, and as a result, a gain was reflected in the
consolidated  statement  of  operations  for  the  year ended December 31, 2000.
Prior  to  the  end  of  the  second  quarter  of 2000, the Company reviewed its
carrying  value  of  the  ChannelPoint  common  stock. Based on this review, the
Company determined that there had been an other than temporary decline in market
value of these securities. This determination was based on market conditions for
like  companies,  restrictions on the stock holding, delay in the initial public
offering  of  ChannelPoint's common stock and the limited liquidity of a private
security. The resulting charge related to this change in carrying value has been
included  in  the  net  gain  on  the  exchange  of  securities of $18.4 million
reflected  in  the  consolidated  statement  of  operations  for  the year ended
December 31, 2000. The Company accounted for its investment in ChannelPoint as a
cost  based investment. The impact on the Company's tax provision resulting from
this  gain  on  exchange  of  investment  securities  was minimal, since for tax
purposes it primarily represented a reversal of prior equity losses for which no
tax benefit was recorded. As such, the tax impact of $0.7 million related to the
increase  from  the  original  cost  of  the  investment of $20.8 million to the
carrying  value  of  $22.7  million.

     In  2001, the Company again reviewed its carrying value of the ChannelPoint
common  stock.  Based on this review, the Company determined that there had been
an  other  than temporary decline in fair market value of these securities. This
determination  was based on market conditions, valuations for similar companies,
financial  performance  and  a  going  concern  risk.  As  a result, the Company
recorded a charge of $22.7 million, representing the remaining carrying value of
its investment in ChannelPoint, which is reflected in the consolidated statement
of  operations  for  the  year  ended  December  31,  2001.

     The  carrying value of this investment and related note receivable of $27.1
million, net of $0.5 million received in full settlement of the loan obligations
outstanding,  was fully written off in 2001 after an impairment review.  On June
27,  2002,  ChannelPoint,  Inc.  filed  a  certificate  of  dissolution with the
Delaware  Secretary  of  State  and  is  now  proceeding with its dissolution in
accordance  with  the  plan  of  complete  liquidation  and  dissolution.

NOTE 4 - ENTERSTAND JOINT VENTURE

     In  1998,   the   Company   and   Hearst   Communications,   Inc.  ("Hearst
Communications") established a joint venture, Enterstand Limited ("Enterstand"),
in  Europe  to  develop  and  market  claims  processing  tools  to insurers and
collision  repair  facilities.  Under  the  provision  of  the  Subscription and
Stockholders  Agreement  relating  to the formation of Enterstand ("Subscription
Agreement"),  the  Company  invested $2.0 million for a 19.9% equity interest in
Enterstand.  The Subscription Agreement also provided the Company with an option
to purchase 85% of Hearst Communication's shares of Enterstand at an agreed upon
purchase  price.  The  option  was exercisable by the Company beginning one year
after  the  date  of  the  Subscription  Agreement.

                                       39
<PAGE>

     In  2000,  the  Company  and  Hearst  Communications agreed to terms for an
amendment  to the Subscription Agreement. Under the terms of the amendment, both
parties contributed additional funds to Enterstand to provide additional working
capital.  The  Company funded $0.5 million and Hearst Communications funded $5.0
million  to  Enterstand.  After  these  investments,  the   Company's  ownership
percentage  decreased  to  14.2%. The Company's option was adjusted to include a
right  to  purchase  78%  of  the  shares  issued  to  Hearst  Communications in
connection  with  this transaction and would give the Company an 84.5% ownership
in  the  joint  venture  if  exercised.  In  addition,  the  Company  and Hearst
Communications  loaned  Enterstand  $8.5 million and $1.5 million, respectively,
which  were  evidenced  by  promissory  notes.  Of  the  $8.5  million loaned to
Enterstand  by  the Company, $3.5 million was funded in cash and $5.0 million of
receivables  from  Enterstand  were  converted  into  the note receivable. These
promissory  notes  were  to  mature  in  March 2005 and beared interest at 9.0%.

     The  Company  applied the equity method of accounting for its investment in
Enterstand.  Since  the  inception  date  through  March  31,  2000, the Company
recorded  19.9%  of  Enterstand's  losses.  For the period April 1, 2000 through
September  30,  2000, the Company recorded 85.0% of Enterstand's losses based on
the  Company's  proportionate  share  of  the total funding to Enterstand, which
occurred  on  March  31, 2000. During the fourth quarter of 2000 and through May
2001, the Company funded 100% of the operating losses of Enterstand. As a result
of  this  funding,  the Company recorded 100% of the losses incurred during this
period.  In  May  2001,  the  Company  ceased  funding  the  operating losses of
Enterstand  in  connection  with  the  decision  to shut down CCC International.

     In  addition,  at  December 31, 2000, the Company recorded a charge of $3.7
million  as  a  result  of  review  of  the  Company's  net  investments  in and
receivables  from  Enterstand.  This  write-off was based on Enterstand's recent
level  of  losses  and  future  projections  for  cash  flow and profits of this
business.  The Company's equity in net losses of Enterstand totaled $4.3 million
and  $15.7 million for the years ended December 31, 2001 and 2000, respectively.
The  Company  has  not  recorded  any  income  tax  benefit  on  the  equity  in
Enterstand's  losses  recorded  since  inception.

     During  1998,  CCC  and  Enterstand  entered  into an agreement whereby CCC
developed, for the benefit of Enterstand, certain claims processing software and
databases.  During  2001  and 2000, CCC charged Enterstand $0.7 million and $4.4
million,  respectively,  for  development  work  performed.   In  addition,  CCC
International and Enterstand entered into an agreement whereby CCC International
provided  Enterstand  with  certain  administrative  and  operating services and
office  space. For the years ended December 31, 2001 and 2000, CCC International
charged  Enterstand  $2.4  million  and  $8.9  million,  respectively, for these
services.  These  reimbursements  from Enterstand are shown as reductions of the
Company's  operating  expenses  in  the  consolidated  statement  of operations.

      The  operations  of  Enterstand  were  discontinued  in 2001. In 2002, CCC
International   and   Hearst   Communications  terminated  their  joint  venture
agreement,  CCC  International  purchased Hearst Communications' interest in the
venture  for  a nominal sum, and CCCG issued a warrant to Hearst Communications,
exercisable for five years, to purchase up to 250,000 shares of the common stock
of  CCCG  for  $12 per share.  The Company recorded a charge of $0.5 million for
these  warrants  in  2001.

NOTE 5 - INVESTMENT IN CHOICEPARTS, LLC

     In  2000,  the  Company  formed a new independent company, ChoiceParts, LLC
("ChoiceParts")  with  ADP  and  The  Reynolds and Reynolds Company. ChoiceParts
operates  an  electronic  parts  exchange  for  the  auto  parts marketplace for
franchised   auto   retailers,  collision  repair  facilities  and  other  parts
suppliers.  The  Company  has  a 27.5% equity interest in ChoiceParts, which the
Company  accounts  for  by  applying the equity method. The Company recorded its
share  of  equity  losses of $0.3 million, $2.5 million and $2.1 million for the
years  ended  December 31, 2002, 2001 and 2000, respectively. Approximately $1.7
million  of  the  original  $5.5  million commitment was still outstanding as of
December  31,  2002  and  there are no specific plans to fund this commitment at
this  time.  Based  on  the  nature of the Company's investment, the Company has
recorded  a  deferred  income  tax  benefit  on  its  share  of  the  losses.

                                       40
<PAGE>

NOTE 6 - DISPOSITIONS

     In 1999, the Company sold certain net assets related to its dealer services
products  to  Info4cars.com Inc. ("Info4cars") in exchange for a note receivable
of  $0.6  million  and  common  stock representing a 9.0% interest in Info4cars.
Info4cars  provides  vehicle  history reports and other products, such as custom
auto  buying  programs,  warranties, and competitive finance/lease programs.  In
addition, the Company invested approximately $0.3 million for an additional 7.5%
interest  in  Info4cars.

     During  2000, Info4cars failed to make interest payments due and payable to
the  Company  under  the  terms of the note. The Company and Info4cars agreed to
amend  the  principal  amount  and  terms  of  repayment  of the note receivable
("Amended  Note"). The Amended Note includes the past due interest payments owed
to  the  Company on the original note, matures in May 2003 and bears interest at
the  prime rate. In addition, the Company converted its common stock into shares
of Series A Convertible Preferred Stock ("Series A Preferred Stock"). As holders
of the Series A Preferred Stock, the Company is entitled to receive, when and as
declared  by  the board of directors of Info4cars, cash dividends at the rate of
8.0% of the original issue price per annum on each outstanding share of Series A
Preferred  Stock.

     Based  on  a  review of Info4cars' financial statements and representations
from Info4cars' management, the Company determined that Info4cars would not have
the  ability  to  satisfy  its  obligations to the Company. In 2001, the Company
recorded  a  loss of approximately $1.1 million in connection with the write-off
of  our  investment  in  Info4cars,  including a $0.8 million bad debt provision
related  to  the  notes  receivable  plus accrued interest. In 2002, the Company
received  $0.5 million from Info4cars in full settlement of the loan obligations
outstanding.  In  addition,  the  Company  converted  its 174 shares of Series A
Convertible  Preferred Stock to 43 shares of common stock representing 8% of the
common  stock outstanding. The carrying value of these shares of common stock on
the  Company's  balance  sheet  is  zero.

     See  discussion in Note 7, "Restructuring Charges" concerning the Company's
decision to shut down the D.W. Norris business in 2000 and International in 2001
and  Note  8,  "Discontinued  Operations"  concerning  the Company's decision to
discontinue  the  operations  of  its  CCC  Consumer  Services  segment in 2001.

NOTE 7 - RESTRUCTURING CHARGES

     In  2000,  the  Company  decided  to  shutdown  the D.W. Norris outsourcing
business  due  to the significant losses incurred since the acquisition in 1999,
the  continued  deterioration  of  the  overall  business and the poor long-term
assessment  of  the business. As a result, the Company recorded a related charge
of  $6.0  million. This charge included a write-off of the remaining goodwill of
$4.3  million,  contractual  commitments,  including  the  office lease, of $0.8
million,  severance and related costs to terminate approximately 86 employees of
$0.5  million  and  a  write-down of the fixed assets to net realizable value of
$0.4  million.

     In  2001,  the  Company announced a set of strategic decisions as part of a
company-wide  effort to improve profitability. As a result, the Company recorded
a  restructuring  charge of $2.8 million, which consisted primarily of severance
and  outplacement costs related to the termination of 130 employees. In December
2001,  the  Company  decreased the original restructuring charge by $0.3 million
based  on  a  review  of  final  severance  and  outplacement.

                                       41
<PAGE>

     In  addition,  the Company recorded a charge of $3.4 million related to the
shut down of CCC International's operations. This charge included a write-off of
the  remaining  goodwill  of  $1.1  million,  contractual commitments, including
office  space,  of  $0.5 million and severance and related costs to terminate 39
employees  of  $1.8  million. In connection with this shut down, CCC repurchased
the  shares  of  CCC  International's  president  and minority shareholder for a
nominal sum and sold the claims consulting business of CCC International back to
the  president.

     Also  in  2001,  the Company recorded a charge of $4.3 million to write-off
excess  office  space  in Chicago, formerly occupied by its DriveLogic business.
This charge was recorded after a complete review of the Company's short-term and
long-term  facility requirements. The charge included future rent commitments of
$5.4 million and the write-off of leasehold improvements of $2.1 million, net of
expected  future  sublease  income  of  $3.2  million.

     During  2002,  the Company recorded an additional charge of $0.9 million to
revise  the  original  expected future sublease income from $3.2 million to $2.3
million as a result of the current weak conditions of the real estate market. If
the  Company has not sublet the office space by September 30, 2003, it will need
to  reevaluate  the  amount  recorded,  at  that  time.  However,  if  events or
circumstances  change, the Company will reevaluate the charge earlier. The lease
for  this  office  space  expires  March  31,  2006.

     The  following  summarizes  the  activity  in  the  restructuring  accrual:
<TABLE>
<CAPTION>
                     BALANCE AT     ADDITIONAL        CASH        BALANCE AT
                    DECEMBER 31,   CHARGES FOR    PAYMENTS AND    DECEMBER 31,
                        2001           2002        WRITE-OFFS        2002
                    ----------------------------------------------------------
<S>                 <C>            <C>           <C>             <C>
Excess Facilities   $       2,400  $       869    $    (1,290)    $      1,979
Asset impairments             325            -           (325)               -
Reduction-in-Force            540            -           (540)               -
                    ----------------------------------------------------------
Total               $       3,265  $       869    $    (2,155)    $      1,979
                    ==========================================================
</TABLE>

NOTE 8 - DISCONTINUED OPERATIONS

     In  2001,  the  Company  discontinued  the  operations  of its CCC Consumer
Services  segment.  The  Company's  plan included the sale of certain assets and
the  closure of the remaining Consumer Services segment business.  Proceeds from
the  sale  of  the  related assets, as discussed below, were $0.7 million.  As a
result  of  this  decision,  the  Company  recorded  a  loss  from  discontinued
operations  of $7.0 million, net of an income tax benefit of $2.6 million.  This
original  loss  was  comprised  of operating losses of $1.0 million, net of tax,
prior  to  the  measurement date, and estimated loss on disposal, net of tax, of
$6.0  million.  Included  in the loss on disposal are severance costs related to
the  termination  of  365  employees, loss on the disposal of the assets of this
business  and operating losses after the measurement date through the completion
of  the wind-down of operations in December 2001.  In December 2001, the Company
reviewed  its remaining obligations related to the disposal of this segment, and
as  result,  recorded  a  favorable adjustment of $1.0 million from the original
estimate.  This  adjustment  consisted of a reduction to the loss on disposal of
$0.6 million and an increase to the tax benefit associated with the full loss on
discontinued  operations  of  $0.4  million.  As  of  December 31, 2001, accrued
charges  of  $0.7  million for severance costs and other contractual commitments
were  included  in  the  consolidated  balance  sheet.

                                       42
<PAGE>

     In  2001,  the  Company completed the sale of the assets of its subsidiary,
CCC  Consumer  Services  Southeast,  Inc.,  ("CCC  SE")  to  Fleming   and  Hall
Administrators.  Net  proceeds  from  the  sale were approximately $0.6 million.
The  Company purchased this claims administration business from Fleming and Hall
Administrators  in  1999.  In  addition,  the  Company  also  completed the sale
Of Professional  Claims  Services, Inc.  ("PCSI")  and received cash proceeds of
approximately  $0.1 million.  PCSI was sold to a company affiliated with certain
of  the individuals from whom PCSI was purchased in 1998. The losses on disposal
of  CCC  SE  and  PCSI  were  $0.8  million  and  $2.6  million,   respectively.

     In  2001,  the  Company  completed the sale of its policy services and loss
reporting operation, based in Sioux Falls, South Dakota and its remaining claims
administration  operation,  based in Battle Creek, Michigan.  Proceeds from each
sale  were  minimal.

     Revenues  and  income  (loss) from discontinued operations were as follows:
<TABLE>
<CAPTION>
                                                         2002      2001      2000
                                                        -------------------------
<S>                                                     <C>     <C>       <C>
Revenues . . . . . . . . . . . . . . . . . . . . . . .  $   -   $ 4,587   $25,139
                                                        =========================
Income (loss) before income taxes. . . . . . . . . . .  $   -   $(1,920)  $(5,590)
Income tax benefit . . . . . . . . . . . . . . . . . .      -       931     1,886
                                                        -------------------------
Income (loss) from operations. . . . . . . . . . . . .      -      (989)   (3,704)
                                                        -------------------------
Gain (loss) on disposal. . . . . . . . . . . . . . . .    566    (7,105)        -
Income tax (provision) benefit . . . . . . . . . . . .   (212)    2,122         -
                                                        -------------------------
Net gain (loss) on disposal. . . . . . . . . . . . . .    354    (4,983)        -
                                                        -------------------------
Income (loss) from discontinued operations, net of tax  $ 354   $(5,972)  $(3,704)
                                                        =========================
</TABLE>

     During  2002, the Company recorded a benefit of $0.2 million, from the cash
receipt  of  a  disputed  receivable  that  was fully reserved. The Company also
reviewed  its remaining obligations related to the disposal of this segment, and
as  a  result,  recorded  a  favorable  adjustment  of  $0.4  million.

     The  net  liabilities  of  discontinued  operations as of December 31, 2001
consisted  of  the  following:

<TABLE>
<CAPTION>
<S>                                         <C>
                Accounts receivable. . . . . . . . . . . .  $ 114
                Accounts payable and accruals. . . . . . .  $(650)
                                                            ------
                Net liabilities of discontinued operations  $(536)
                                                            ======
</TABLE>

NOTE 9 - LITIGATION SETTLEMENTS

     CCC  was  a  defendant  in  an  arbitration  proceeding before the AMERICAN
ARBITRATION  ASSOCIATION  CAPTIONED  AUTOBODY  SOFTWARE  SOLUTIONS,  INC. v. CCC
INFORMATION  SERVICES INC. The plaintiff had demanded damages in excess of $23.0
million  in  that  proceeding. The parties settled this action by execution of a
Release  and  Settlement  Agreement  ("Settlement  Agreement") as of October 12,
2000,  pursuant to which CCC paid the plaintiff $0.3 million and conveyed 15,000
shares of the Company's common stock. The Company will also make a total of four
additional  annual  payments  in the amount of $0.2 million each, commencing six
months  after  the  date  of  the Settlement Agreement. The Company has made all
required  payments due through December 31, 2002. The plaintiff has released CCC
from  all  claims  and  has  stipulated  to  the  dismissal  of  its action with
prejudice. In connection with this settlement, the Company recorded and included
a  charge  of  $1.4  million in the consolidated statement of operations for the
year  ended  December  31,  2000.

                                       43
<PAGE>

     In  December  2000, the Company completed a settlement of a lawsuit against
the  American  Salvage  Pool  Association.  The  settlement  called  for  (i) an
immediate  cash  payment  by  CCC of $0.9 million which was made on December 28,
2000;  (ii)  a  cash  payment  of $0.3 million to be made on or before March 31,
2001;  (iii)  a  cash  payment  of $0.3 million to be made on or before June 30,
2001;  (iv)  the  shortening of the covenant not to compete by 6 months, to June
30, 2002; and (v) a general release of all claims. The Company made the required
payments  of  $0.3  million  on  March  20,  2001  and  June  25,  2001.

     In  December 2001, the Company recorded a charge of $4.3 million, net of an
expected  insurance  reimbursement of $2.0 million, as an estimate of the amount
we  will contribute towards the potential settlement of the largest of the class
action  lawsuits  related  to our Total Loss valuation service.  CCC anticipates
that the settlement would eliminate the viability of class claims in 7 of the 12
class  action  suits  pending  against  the  Company  related  to the Total Loss
service.  Upon  completion,  the  anticipated settlement would resolve potential
claims  arising  out  of  approximately  30%  of the Company's total transaction
volume  during  the  time  period covered by the lawsuit.  The Company currently
anticipates  that  the  proposed  settlement  would  include a resolution of any
potential  claims  for indemnification or contribution by its customers relating
to  the  transactions  covered  by  the  settlement.  See discussion in Note 23,
"Legal  Proceedings."

NOTE 10 - INCOME TAXES

     Income  taxes applicable to income (loss) from continuing operations before
equity  losses  consisted  of  the  following:
<TABLE>
<CAPTION>
                                                    YEAR ENDED DECEMBER 31,
                                                   2002      2001      2000
                                                  ---------------------------
                                                     (IN THOUSANDS)
<S>                                              <C>              <C>       <C>
Current (provision) benefit:
 Federal . . . . . . . . . . . . . . . . . .    $ (6,540)  $12,005   $(4,270)
 State . . . . . . . . . . . . . . . . . . .      (1,037)    1,418      (434)
 Foreign . . . . . . . . . . . . . . . . . .           3        (8)       (4)
                                                  ---------------------------
 Total current (provision) benefit   . . . .      (7,574)   13,415    (4,708)
                                                  ---------------------------

Deferred (provision) benefit:
 Federal . . . . . . . . . . . . . . . . . .      (3,471)    4,558     1,132
 State . . . . . . . . . . . . . . . . . . .         625       356       186
 Foreign . . . . . . . . . . . . . . . . . .           -         -       (62)
                                                  ---------------------------
 Total deferred (provision) benefit. . . . .      (2,846)    4,914     1,256
                                                  ---------------------------
 Total income tax (provision) benefit. . . .    $(10,420)  $18,329   $(3,452)
                                                  ===========================
</TABLE>

                                       44
<PAGE>

     The Company's effective income tax rate applicable to continuing operations
differs  from  the  federal  statutory  rate  as  follows:

<TABLE>
<CAPTION>

                                                                   YEAR ENDED DECEMBER 31,
                                                  --------------------------------------------------------
                                                          2002               2001              2000
                                                  --------------------------------------------------------
                                                              (In thousands, except percentages)
<S>                                               <C>        <C>      <C>       <C>     <C>       <C>
Federal income tax (provision) benefit
at statutory rate. . . . . . . . . . . . . . . .  $(11,471)  (35.0)%   $14,219    35.0%  $(4,747)  (35.0)%
State and local taxes, net of federal income tax
   effect and before valuation allowances. . . .    (1,073)   (3.3)      1,152     2.8     ( 161)    (1.2)
Foreign taxes. . . . . . . . . . . . . . . . . .         -       -           -       -      (448)    (3.3)
Goodwill amortization. . . . . . . . . . . . . .         -       -        (334)   (0.6)     (971)    (7.2)
Change in valuation allowance. . . . . . . . . .      (110)   (0.4)     (8,663)  (21.3)   (2,826)   (20.8)
Nondeductible expenses . . . . . . . . . . . . .      (140)   (0.4)       (140)   (0.4)     (255)    (1.9)
InsurQuote . . . . . . . . . . . . . . . . . . .         -       -           -       -     5,800     42.8
Write-off of foreign investments . . . . . . . .       132     0.4      12,101    29.7         -        -
Research and experimentation credits . . . . . .     2,383     7.3           -       -         -        -
Other, net . . . . . . . . . . . . . . . . . . .      (141)   (0.4)         (6)   (0.1)      156      1.2
                                                  --------------------------------------------------------
Income tax (provision) benefit . . . . . . . . .  $(10,420)  (31.8)%   $18,329    45.1%  $(3,452)  (25.4)%
                                                  ========================================================
</TABLE>

     See  Note  3,  "Investment  in  InsurQuote/ChannelPoint"  for discussion of
income  taxes  as  it  relates  to  our  investment  in  InsurQuote.

     During  2002, the Company received a refund of $13.1 million, of which $7.8
million was attributable to the Job Creation and Workers Assistance Act of 2002,
which increased the available carryback period for net operating losses from two
years  to  five  years. The total amount represented the refund of taxes paid in
1996,  1997,  1998  and  1999  when  net  operating losses incurred in 2001 were
carried  back  to those years. The Company also made income tax payments, net of
refunds,  of  $7.9  million  in  2002.

     During  2002,  the  Company  filed  amended  returns  to claim research and
experimentation  tax  credits  applicable  to  the years 1998, 1999 and 2000 and
recorded  a  credit  to  income  tax expense of $2.0 million. Included in income
taxes  receivable  is  a  refund of $1.1 million of the expected credit. Current
income  taxes  payable  as  of December 31, 2002, is also net of $0.9 million in
research  tax  credits  being  carried  forward.  The  remaining balance of $0.5
million in income taxes receivable, as of December 31, 2002, represents expected
state  tax  refunds.  The  Company  also  recorded  research and experimentation
credits  of  $0.4  million  for  2002.

     During  2001,  the  Company  received net refunds of $4.5 million, of which
$2.5  million  related to the carryback to 1998 of net operating losses incurred
in  2000  and  $2.0  million related to refunded tax payments previously made in
2000.  During  2000,  the  Company  made income tax payments, net of refunds, of
$1.6  million.

                                       45
<PAGE>

     In  conjunction with the exercise of certain stock options, the Company has
Reduced   current   income   taxes   payable   with  an   offsetting  credit  to
paid-in-capital  for  the  tax  benefit of these option exercises. For the years
2002,  2001  and 2000, these tax benefits totaled $0.7 million, $0.6 million and
$1.4  million,  respectively.

     The  approximate  income  tax  effect  of each type of temporary difference
giving  rise  to  deferred  income  tax  assets  and liabilities was as follows:

<TABLE>
<CAPTION>
                                       DECEMBER 31,
                                  ----------------------
                                      2002       2001
                                  ----------------------
                                         (IN THOUSANDS)
<S>                               <C>              <C>
Deferred income tax assets:
 Capital loss carryforward . . .  $    7,390   $  7,280
 Foreign net operating losses. .       4,209      4,209
 Litigation settlement . . . . .       2,050      1,995
 State research credits. . . . .       1,584          -
 Lease termination . . . . . . .       1,542      1,692
 Depreciation and amortization .       1,084      1,948
 Intangible amortization . . . .         973      1,055
 Bad debt expense. . . . . . . .         865        856
 Rent. . . . . . . . . . . . . .         840        846
 Accrued compensation. . . . . .         296        467
 Deferred revenue. . . . . . . .          25      1,998
 Net operating loss. . . . . . .           -     11,252
 Other, net. . . . . . . . . . .       1,195      1,800
                                  ----------------------
Subtotal . . . . . . . . . . . .      22,053     35,398
Valuation allowance. . . . . . .     (11,599)   (11,489)
                                  ----------------------
Total deferred income tax assets  $   10,454   $ 23,909
                                  ======================
</TABLE>

     During  2001  the  Company  recorded  a  net  loss  of $27.1 million on the
write-off  of the ChannelPoint investment and note receivable, including accrued
interest.  For tax purposes, $20.8 million of this loss was considered a capital
loss,  which  can only be offset with net capital gains and expire in 2006.  The
Company  believes that it is more likely than not that the capital loss will not
be  realized;  therefore,  a  valuation allowance was established for this item.

     The Company also has foreign net operating losses, which have an indefinite
carry-forward  period,  related to its former CCC International operations.  The
Company  has  established  a  valuation  allowance  for the full amount of these
foreign  net  operating  losses  because realization of these assets is not more
likely than not.

                                       46
<PAGE>

NOTE 11 - OTHER CURRENT ASSETS

     Other current assets consisted of the following:
<TABLE>
<CAPTION>
                                                                   DECEMBER 31,
                                                                 ----------------
                                                                   2002    2001
                                                                 ----------------
                                                                  (IN THOUSANDS)

<S>                                                           <C>              <C>
Insurance reimbursement for litigation settlement. . . . . . .   $ 2,000  $2,000
Prepaid data royalties . . . . . . . . . . . . . . . . . . . .     1,966   1,854
Income tax receivable - research and experimentation credits .     1,125       -
Prepaid equipment maintenance. . . . . . . . . . . . . . . . .       911     783
Prepaid insurance. . . . . . . . . . . . . . . . . . . . . . .       673     536
Income tax receivable - State. . . . . . . . . . . . . . . . .       549     347
Other. . . . . . . . . . . . . . . . . . . . . . . . . . . . .     1,275     941
                                                                 ----------------
Total. . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $ 8,499  $6,461
                                                                 ================
</TABLE>

     In  2001, the Company recorded a charge of $4.3 million, net of an expected
insurance  reimbursement  of  $2.0  million,  in  connection  with  a litigation
settlement.  See  Note  23,  "Legal  Proceedings"  for discussion of the charge.

NOTE 12 - PROPERTY AND EQUIPMENT

     Property and equipment consisted of the following:
<TABLE>
<CAPTION>
                                                  DECEMBER 31,
                                               ------------------
                                                  2002    2001
                                               ------------------
                                                 (IN THOUSANDS)

<S>                                         <C>              <C>
Computer equipment . . . . . . . . . . . . .   $ 11,660  $  9,163
Purchased software, licenses and databases .     17,164    16,364
Furniture and other equipment. . . . . . . .      5,021     5,027
Leasehold improvements . . . . . . . . . . .      6,581     6,513
Building and land. . . . . . . . . . . . . .      1,796     1,796
                                               ------------------
 Total gross . . . . . . . . . . . . . . . .     42,222    38,863
Less accumulated depreciation. . . . . . . .    (29,815)  (25,376)
                                               ------------------
 Total net . . . . . . . . . . . . . . . . .   $ 12,407  $ 13,487
                                               ==================
</TABLE>

     As a result of a review of the Company's computer equipment and software in
2002  and  2001,  the  Company wrote-off out-of-service fully depreciated assets
totaling  $4.6  million  and  $8.6  million,  respectively.

     As  of  December  31, 2002 and 2001, computer equipment, net of accumulated
depreciation,  that  is  on lease to certain customers under operating leases of
$0.5  million and $0.2 million, respectively, is included in computer equipment.
Future   minimum   rentals   under   non-cancelable  customer  leases  aggregate
approximately  $0.7  million  and  $0.3  million in 2003 and 2004, respectively.

                                       47
<PAGE>

     In  2001,  the  Company  recorded a charge of $4.3 million, net of expected
sublease  income,  to  write-off  excess  office  space in Chicago.  This charge
included  $2.1  million  of  leasehold  improvements.

     In 2001, the Company entered into two separate agreements to lease software
licenses.  These  leases,  which  are  for 36 months expiring in early 2004, are
classified  as  capital  leases.  The  Company made payments of $0.6 million and
$0.4  million  in 2002 and 2001, respectively. Included in the payments for both
years  was  interest  of $0.1 million. Future minimum lease payments under these
capital  lease obligations aggregate approximately $0.6 million and $0.2 million
in  2003  and  2004,  respectively.

NOTE 13 - ACCRUED EXPENSES

     Accrued expenses consisted of the following:
<TABLE>
<CAPTION>
                                     DECEMBER 31,
                                   ----------------
                                     2002    2001
                                   ----------------
                                    (IN THOUSANDS)
<S>                     <C>      <C>
Compensation . . . . . . . . . .   $10,781  $10,249
Litigation settlements . . . . .     7,074    7,404
Professional fees. . . . . . . .     1,389    2,806
Restructuring charges. . . . . .     1,159    1,131
Sales tax. . . . . . . . . . . .     1,103    1,434
Health insurance . . . . . . . .     1,041    1,075
Office space expenses. . . . . .       693    1,183
Conferences. . . . . . . . . . .       422      573
Commissions. . . . . . . . . . .       379      132
Web hosting. . . . . . . . . . .         -    1,181
Other, net . . . . . . . . . . .     1,400    1,402
                                   ----------------
Total. . . . . . . . . . . . . .   $25,441  $28,570
                                   ================
</TABLE>

NOTE 14 - CCC CAPITAL TRUST

     On  February  23,  2001,  CCC Capital Trust ("CCC Trust"), a business trust
controlled  by  CCCG,  issued  15,000  Trust  Preferred  Securities,  which were
presented  on  the  consolidated balance sheet as "Company obligated mandatorily
redeemable  preferred  securities  of  subsidiary  trust  holding solely company
guaranteed  debentures",  ("Trust  Preferred  Securities")  and  CCCG issued 100
shares of its Series F Preferred Stock, par value $1.00 per share, and a warrant
to  purchase 1,200,000 shares of its common stock at an exercise price of $6.875
per  share,  revised  from  the original exercise price of $10.00 per share,  to
Capricorn  Investors  III,  L.P., one of our existing stockholders. CCCG and CCC
Trust  received  an  aggregate  purchase price of $15.0 million from the sale of
these  securities.

                                       48
<PAGE>

     In  connection  with  the issuance of the Trust Preferred Securities by CCC
Trust and the related purchase by the Company of all of the common securities of
CCC  Trust, the Company issued an Increasing Rate Note Due 2006 in the principal
amount  of  approximately $15.5 million, due February 23, 2006 ("Increasing Rate
Note")  to  CCC  Trust. The sole asset of CCC Trust was the Increasing Rate Note
and  any  interest accrued thereon. The interest payment dates on the Increasing
Rate  Note  corresponded  to  the  distribution  dates  on  the  Trust Preferred
Securities.  The  Trust  Preferred Securities were to mature simultaneously with
the  Increasing Rate Note. The Company had unconditionally guaranteed all of the
Trust  Preferred  Securities  to  the  extent  of  the  assets  of  CCC  Trust.

     The  Increasing  Rate  Note  was  subordinated  to the Company's bank debt.
Cumulative  distributions on the Trust Preferred Securities accrued at a rate of
(i)  9%  per  annum, payable in cash or in kind at the Company's option, for the
first  three  years  from  February  23, 2001 and (ii) 11% per annum, payable in
cash,  thereafter. The Trust Preferred Securities were mandatorily redeemable on
February  23,  2006.  In  addition,  all or any portion of the outstanding Trust
Preferred  Securities could have been called for redemption at the option of the
Company at any time on or after February 23, 2004. The redemption price for both
the  mandatory  and the optional redemptions was equal to the liquidation amount
of  the  Trust  Preferred Securities plus accrued but unpaid distributions.  The
Company issued payment-in-kind notes for quarterly interest payments due in 2001
for  a  total  of  $1.3  million.

     On  November  30,  2001,  the  Indenture  relating  to  the Trust Preferred
Securities  was  amended  to permit the Company to conduct a rights offering and
enter  into  a  new  bank  credit facility.  In addition, the 1,200,000 warrants
issued  to  Capricorn  Investors  III, L.P.  were amended to change the exercise
price  to  $6.875,  revised  from  the  original  exercise  price  of $10.00, in
consideration  for  certain  waivers  and amendments that allowed the Company to
conduct  a  rights  offering  and  execute  a  new  credit  facility.  Using the
Black-Scholes  pricing  model,  the  fair  value  of  this  amended  pricing was
estimated  to  be  $0.7 million.    See discussion in Note 15, "Rights Offering"
and  Note  16,  "Long  Term  Debt."

     On  October  21, 2002, the Company agreed to purchase the outstanding Trust
Preferred  Securities  from Capricorn Investors III, L.P.  The purchase price of
$16.3  million  represented  the  par  value  of  all Trust Preferred Securities
outstanding  plus  accrued but unpaid distributions. The Company also recorded a
$2.5 million pre-tax charge, resulting from the difference between the par value
and  the  accreted value and $0.4 million of accrued but unpaid distributions on
the  Trust  Preferred  Securities on October 21, 2002.  Following the closing of
the  purchase,  CCC  Capital  Trust  was  dissolved.

NOTE 15 - RIGHTS OFFERING

     On  June  29,  2001,  the  Company  filed  with the Securities and Exchange
Commission ("SEC") a Form S-3 Registration Statement to register $100 million of
securities.  The  SEC  declared  this  shelf registration statement effective on
July  27,  2001.  On November 7, 2001, the Company announced the approval by the
Board  of  Directors  of a $20 million rights offering ("Rights Offering") to be
effectuated  pursuant  to the shelf registration statement previously filed with
the  SEC  on  June  29,  2001.

     Upon  completion  of  the  Rights  Offering on December 31, 2001, the total
number  of  outstanding  shares  of  common stock increased by approximately 3.6
million  shares,  or  approximately  15.8%. The Company utilized net proceeds of
$18.1  million  from  the  Rights  Offering  to  reduce  its  outstanding  debt.

     Three  of  the  Company's  largest  institutional stockholders, White River
Ventures, Inc. and Capricorn Investors II and III L.P., agreed to purchase their
pro-rata  share  of  the  Rights  Offering,  as  well  as  all of the shares not
subscribed  for by the Company's other stockholders or warrant holders, up to an
aggregate  of  $20  million. In consideration for this, the Company issued these
stockholders  293,000 warrants to purchase shares of its common stock at a price
of  $5.50  per  share.

                                       49
<PAGE>

NOTE 16 - LONG-TERM DEBT

     On  November 30, 2001, in conjunction with the Rights Offering, CCC entered
into  a  $30 million credit facility agreement (the " Credit Facility") with two
lenders.  The  Credit  Facility  contains  covenants  that,  among other things,
restrict  CCC's ability to sell or transfer assets, make certain investments and
make  capital  expenditures.   In  addition,  the  Credit  Facility  has certain
covenants  that  require CCC to maintain specified levels of quarterly operating
cash  flow,  debt  coverage,  fixed-charge  coverage  and net worth. CCC is also
required  to provide the bank group with monthly, quarterly and annual financial
reporting.  The  Credit  Facility  matures  on  November  30,  2004.  The Credit
Facility is guaranteed by CCC and is secured by a blanket first priority lien on
substantially all of the assets of CCC and its subsidiaries.  All advances under
the  Credit  Facility  bear interest, at CCC's election, at the London Interbank
Offered Rate ("LIBOR") plus a variable spread based on our leverage ratio or the
prime  rate  in  effect  from  time  to time plus a variable spread based on our
leverage ratio.  CCC pays a commitment fee of 0.50% on any unused portion of the
Credit  Facility.   As  of  December 31, 2002, the Company has no advances under
the  Credit  Facility.

     The  closing  of  the Credit Facility prior to the Rights Offering required
the  utilization  of  an  interim  loan  provided  by  White  River Ventures and
Capricorn  Investors  II and III L.P. as part of their agreement to purchase all
those  shares  not subscribed for by the Company's other stockholders or warrant
holders.  In consideration for this, the Company issued White River Ventures and
Capricorn  Investors  II  and III L.P. 99,612 warrants to purchase shares of its
common  stock  at a price of $5.50 per share.  This interim loan was repaid upon
the  closing  of  the  Rights  Offering  on  December  31,  2001.

     During  the  years  ended  December  31,  2002, 2001 and 2000, the weighted
average  interest  rates  were 6.5%, 7.8% and 7.6 %, respectively. CCC made cash
interest  payments  of  $0.2  million, $3.5 million and $2.6 million, during the
years ended December 31, 2002, 2001 and 2000, respectively. During 2002, CCC had
net  repayments  under  the line of credit of $6.5 million, resulting from draws
under  the  credit  facility  of  $22.0 million and repayments of $28.5 million.
During  2001,  CCC had net repayments under the line of credit of $35.5 million,
resulting  from  draws under the credit facility of $53.4 million and repayments
of $88.9  million.

NOTE 17 - TREASURY STOCK

      During  1999  and  1998,  the Board of Directors authorized the Company to
purchase  4.1  million  common shares at a price not to exceed $15 per share. In
2000,  the  Board  of Directors authorized the Company to purchase an additional
2.0  million  common shares. The Company repurchased, in 2000, approximately 0.7
million  shares  with  a  cash  outlay  of  $8.2  million.

     As  part  of  the  legal  settlement  between  CCC  and  Autobody  Software
Solutions,  Inc ("Autobody") (See Note 9, "Litigation Settlements"), the Company
issued  15,000  common  shares  at  a  cost  of  $0.2  million  to  Autobody.

     In  2002,  the  Company received a promissory note from the Chief Executive
Officer and Chairman of the Board in the amount of $1.2 million for the purchase
of  192,000  treasury  shares  at a price of $6.25 per share, which was the fair
value  of  the  Company's  stock  at  that  date.  This  promissory note accrues
interest,  payable  on  an  annual  basis  beginning March 1, 2003, at 6.75% and
matures  in  January  2007.

                                       50
<PAGE>

NOTE 18 - EMPLOYEE BENEFIT PLANS

Defined Contribution Savings and Investment Plan

     The  Company  sponsors  a  tax-qualified  defined  contribution savings and
investment  plan  ("Savings  Plan").  Participation  in  the  Savings   Plan  is
voluntary,  with  substantially  all employees eligible to participate. Expenses
related  to the Savings Plan consist primarily of Company contributions that are
based  on  percentages of certain employees' contributions. Defined contribution
expense  for  the years ended December 31, 2002, 2001 and 2000 was $1.7 million,
$1.2  million  and  $1.1  million,  respectively.  Included  in the 2002 defined
contribution expense is an additional discretionary contribution of $0.6 million
made  by  the  Company  in  February 2003, into the Savings Plan of all eligible
employees,  for  the  purchase  of  Company  stock.

Employee Stock Purchase Plan

     In  1998,  the  Company  established  an  employee stock purchase plan that
enables  eligible  employees to purchase shares of the Company's common stock at
the  lesser of (i) 85 percent of the fair market value of the Company's stock on
the  applicable  grant date (February 1, May 1, August 1, or November 1) or (ii)
85  percent  of  the fair market value of the Company's stock on the last day of
that  month  during the offering period. Under the employee stock purchase plan,
500,000  shares  have been authorized for issuance and 261,445 are available for
issuance  at  December  31, 2002. During 2002, 2001 and 2000, the Company issued
44,917, 93,324 and 77,736 shares pursuant to the employee stock purchase plan at
prices  ranging  from  $5.10  to  $15.60,  $4.64  to  $7.23 and $5.63 to $14.13,
respectively.  See  Note  19,  "Stock  Option  Plan"  for  pro forma results had
compensation  expense  been recognized based on fair value as of the grant dates
as  prescribed  by  SFAS  123.

NOTE 19 - STOCK OPTION PLAN

     In  1988,  the  Company's  Board  of Directors adopted a nonqualified stock
option  plan ("1988 Plan"). Under the 1988 Plan, as amended in 1992, options may
be  granted  at  a per share price of not less than the greater of $1.375 or the
fair market value as of the date of grant, as determined by the Compensation and
Nominating  Committee  of  the Board of Directors ("Committee"). At December 31,
2001,  no additional options can be granted and 154,860 options were outstanding
under  the  1988  Plan,  which  expire  in  2004.

     During  1997,  the  Company's Board of Directors adopted a new stock option
plan ("1997 Plan") that provided for the granting of 675,800 options to purchase
the Company's common stock. Options were generally exercisable within five years
from  the  date  of  grant.  In  1998, the 1997 Plan was amended to increase the
number  of  shares available to be granted to 1,500,000 shares. In addition, the
term  of  the  option  was extended from 5 years to 10 years on new stock option
grants.  The  1997  Plan  was  amended  in 1999 to increase the number of shares
available  to  be  granted  up  to  2,500,000.

     In  2000,  the  Company's  shareholders approved a new stock incentive plan
("2000 Plan") as an amendment and restatement of the 1997 Plan. The terms of the
2000  Plan  were  applied  to  all  outstanding  options under the 1997 Plan. No
additional  awards  will  be granted under the 1997 Plan. The 2000 Plan provides
that  the  aggregate  number of shares of the Company's common stock that may be
issued  under  the  2000  Plan,  including  shares  authorized but not issued or
reserved  under  the  1997  Plan,  shall not exceed 3,900,000. In the event of a
lapse, expiration, termination, forfeiture or cancellation of any option granted
under  the  2000 Plan or the 1997 Plan without the issuance of shares or payment
of  cash, the common stock subject to or reserved for such incentive may be used
again.  At  December 31, 2002, additional options of 687,254 are available to be
granted  under  the  2000  Plan.

                                       51
<PAGE>

     Option  activity  during  2002,  2001  and  2000  is  summarized  below:
<TABLE>
<CAPTION>

<S>                                 <C>         <C>        <C>          <C>        <C>         <C>
                                              2002                    2001                   2000
                                    --------------------------------------------------------------------
                                                WEIGHTED                WEIGHTED               WEIGHTED
                                                AVERAGE                 AVERAGE                AVERAGE
                                                EXERCISE                EXERCISE               EXERCISE
                                    SHARES      PRICE      SHARES       PRICE      SHARES      PRICE
                                    --------------------------------------------------------------------
Options Outstanding:
 Beginning of year . . . . . . . .  3,005,452   $    9.31   3,190,013   $   10.57  2,210,136   $    6.48
 Granted . . . . . . . . . . . . .    547,500   $    9.75     998,524   $    7.32  1,911,671   $   10.45
 Exercised . . . . . . . . . . . .   (334,402)  $    9.26     (14,600)  $    7.50   (358,267)  $    6.95
   Forfeited and Expired . . . . .   (296,280)  $   11.97  (1,168,485)  $   11.38   (573,527)  $   12.83
                                    --------------------------------------------------------------------
   End of year . . . . . . . . . .  2,922,270   $    9.12   3,005,452   $    9.31  3,190,013   $   10.57
                                    ====================================================================

Options exercisable at year-end. .  1,316,658   $    9.08   1,211,629   $    9.61    788,665   $   10.29
                                    ====================================================================
Weighted  average  grant date fair
   value of options granted during
   the year. . . . . . . . . . . .   $   6.40               $    3.22              $    4.72
                                    =========              ==========             ==========
</TABLE>

     The  following  table  summarizes  information  about  fixed  stock options
outstanding  at  December  31,  2002:

<TABLE>
<CAPTION>

                                    OPTIONS OUTSTANDING           OPTIONS EXERCISABLE
                           -------------------------------------  ---------------------
                                          WEIGHTED
                                          AVERAGE      WEIGHTED                 WEIGHTED
                                         REMAINING     AVERAGE                  AVERAGE
                                        CONTRACTUAL    EXERCISE                 EXERCISE
RANGE OF EXERCISE PRICES      SHARES       LIFE         PRICE        SHARES      PRICE
-------------------------  -------------------------------------- ---------------------
<S>                        <C>          <C>          <C>           <C>        <C>
$1.38 to $6.88. . . . . .     546,204      6.48        $   4.88      284,551   $   3.60
$7.50 to $8.50. . . . . .     361,975      7.88        $   7.58       86,312   $   7.52
$8.69 to $8.69. . . . . .     384,860      7.93        $   8.69      192,421   $   8.69
$8.80 to $9.88. . . . . .     658,975      8.64        $   8.93      177,150   $   9.16
$10.63 to $11.13. . . . .     439,944      7.31        $  10.76      234,385   $  10.80
$12.13 to $18.71. . . . .     530,312      6.83        $  13.75      341,839   $  13.03
                           ----------                              ---------

$1.38 to $18.71 . . . . .   2,922,270      7.52        $   9.12    1,316,658   $   9.08
                           ==========                              =========
</TABLE>

     The  fair  value  of  each  option grant was estimated on the date of grant
using  the  Black-Scholes  option-pricing  model.  The principal determinants of
option  pricing are: fair market value of the Company's common stock at the date
of  grant,  expected  volatility, risk-free interest rate, expected option lives
and  dividend yields. Weighted average assumptions employed by the Company were:
expected  volatility  of 74%, 43% and 41% for 2002, 2001 and 2000, respectively;
and  a  risk-free  interest rate of 4.1%, 4.6% and 5.9% for 2002, 2001 and 2000,
respectively.  In  addition,  the Company assumed an expected option life of 5.5
years  for  2002,  2001  and  2000. No dividend yield was assumed for all years.

                                       52
<PAGE>

     The  Company  applies  APB  No. 25 in accounting for its fixed stock option
plans  and  employee  stock  purchase  plan, and accordingly, has not recognized
compensation  cost in the accompanying consolidated statement of operations. Had
compensation  cost  been recognized based on fair value as of the grant dates as
prescribed  by  SFAS  123,  the Company's net income (loss) applicable to common
stock and related per share amounts would have been impacted as indicated below:
<TABLE>
<CAPTION>
                                                   2002      2001       2000
                                                -----------------------------
                                                   (In Thousands, Except Per
                                                          Share Data)
<S>                                             <C>      <C>        <C>
Net income (loss):
 As reported . . . . . . . . . . . . . . . . .  $22,709  $(30,625)  $ (9,243)
 Pro forma . . . . . . . . . . . . . . . . . .  $20,638  $(32,704)  $(11,051)

Per share net income (loss) assuming dilution:
 As reported . . . . . . . . . . . . . . . . .  $  0.84  $  (1.39)  $  (0.42)
 Pro forma . . . . . . . . . . . . . . . . . .  $  0.77  $  (1.49)  $  (0.51)
</TABLE>

     The effects of applying SFAS 123 in the above pro forma disclosures are not
necessarily  indicative  of future amounts as they do not include the effects of
awards  granted  prior  to  1995,  some of which would have had income statement
effects  in  2002,  2001 and 2000. Additionally, future amounts are likely to be
affected  by  the number of grants awarded since additional awards are generally
expected  to  be  made  at  varying  amounts.

NOTE 20 - EARNINGS PER SHARE

     A  summary  of  the calculation of basic and diluted earnings per share for
the  years  ended  December  31,  2002,  2001  and  2000, is presented below (in
thousands,  except  per  share  data):

<TABLE>
<CAPTION>
                                                  YEAR ENDED DECEMBER 31,
                                              ----------------------------
                                                 2002      2001      2000
                                              ----------------------------
<S>                                           <C>      <C>        <C>
Net income (loss). . . . . . . . . . . . . .  $22,709  $(30,625)  $(9,243)
                                              ============================

Weighted average common shares . . . . . . .   25,850    21,967    21,851
Effect of common stock options . . . . . . .    1,054         -         -
                                              ----------------------------
Weighted average diluted shares. . . . . . .   26,904    21,967    21,851
                                              ============================

Income (loss) per common share -basic:
   Income (loss) from continuing operations.  $  0.86  $  (1.12)  $ (0.25)
   Loss from discontinued operations . . . .     0.01     (0.27)    (0.17)
                                              ----------------------------
Income per common share-basic. . . . . . . .  $  0.87  $  (1.39)  $ (0.42)
                                              ============================


Income (loss) per common share -diluted:
   Income (loss) from continuing operations.  $  0.83  $  (1.12)  $ (0.25)
   Loss from discontinued operations . . . .     0.01     (0.27)    (0.17)
                                              ----------------------------
Income per common share-diluted. . . . . . .  $  0.84  $  (1.39)  $ (0.42)
                                              ============================
</TABLE>
                                       53
<PAGE>

     Options  and  warrants  to  purchase  a  weighted average number of 365,602
shares,  4,070,040  shares and 820,178 shares of common stock for 2002, 2001 and
2000, respectively, were not included in the computation of diluted earnings per
share  because the options' exercise prices were greater than the average market
price  of the common shares during those periods. The price of these options and
warrants  ranged  from  $8.00  to  $18.71  per share.  Since the Company had net
losses  for  the years ended December 31, 2001 and December 31, 2000, options to
purchase  a  weighted  average of  93,687 and 228,849 shares, respectively, were
not  included  in  the  computation  of  diluted  earnings per share because the
options,  if  included,  would  have  been  antidilutive.

NOTE 21 - COMMITMENTS AND CONTINGENCIES

     The  Company  leases  facilities,  computers, telecommunications and office
equipment under non-cancelable operating lease agreements that expire at various
dates  through 2008. As of December 31, 2002, future minimum cash lease payments
were  as  follows:
<TABLE>
<CAPTION>
<S>               <C>      <C>     <C>     <C>    <C>    <C>    <C>
                      TOTAL     2003    2004    2005    2006    2007  THEREAFTER
                     -----------------------------------------------------------

Operating leases. .  $39,919  11,994  11,020   9,342   2,668   2,529     2,366
                     ===========================================================
</TABLE>

     During  2002,  2001  and  2000,  operating  lease  rental  expense was $6.3
million,  $8.1  million  and $7.6 million, respectively.  The Company also has a
$0.5  million  letter  of  credit  available until July 2003 for office space in
Chicago.

NOTE 22 - BUSINESS SEGMENTS

     We currently operate our business as one segment. Our products and services
facilitate  the  processing  of  automobile  physical  damage claims and help to
improve  decision-making  and  communication  between  various  parties, such as
automobile  insurance companies and collision repair facilities, involved in the
automobile  claims  process.  See  discussion in Note 7, "Restructuring Charges"
concerning  the  Company's  decision  to shut down CCC International, previously
reported  as a segment.  DriveLogic, formed in 1999 and previously reported as a
segment,  developed  products  and  services  that  served the automobile claims
industry  supply  chain  through the Internet. As part of a restructuring at the
end of June 2001, the Company consolidated the operations of DriveLogic with the
CCC  U.S.  segment.  In  addition,  the Company previously reported CCC Consumer
Services  as  a  segment.  See  discussion in Note 8,  "Discontinued Operations"
concerning  the  Company's decision to shut down the Consumer Services business.
Shared  services,  tasked  with  facilitating  the  performance  of  the revenue
producing  divisions,  now  supports  the  one  reported  segment.

     Statement  of  Financial  Accounting  Standards No. 131, "Disclosures About
Segments  of  an  Enterprise  and Related Information" ("SFAS 131"), establishes
standards  for  the  reporting  information about operating segments.  Operating
segments  are  defined  as  components  of  an  enterprise  about which separate
financial  information  is  available  that  is evaluated regularly by the chief
operating  decision maker in deciding how to allocate resources and in assessing
performance.

                                       54
<PAGE>

     We  market  our  products  and  services through one U.S. sales and service
organization.  Our  chief operating decision maker evaluates resource allocation
decisions  and our performance based on financial information on a total company
profit  level  and  at  the  product revenue level, accompanied by disaggregated
information  about  revenues  by  geographic  regions.
<TABLE>
<CAPTION>
                                                 2002      2001      2000
                                               ----------------------------
<S>                                            <C>       <C>       <C>
Pathways. . . . . . . . . . . . . . . . . . .  $116,231  $109,568  $102,585
Total Loss Valuation Services . . . . . . . .    45,463    47,977    49,332
Workflow Products . . . . . . . . . . . . . .    22,602    19,706    14,054
Information Services Products . . . . . . . .     1,134       828       487
Other . . . . . . . . . . . . . . . . . . . .     6,430     8,180    10,431
                                               ----------------------------
  Total Revenue from U.S.Operations . . . . .   191,860   186,259   176,889
  Total Revenue from International Operations         -     1,682     7,752
                                               ----------------------------
    Total Revenue . . . . . . . . . . . . . .  $191,860  $187,941  $184,641
                                               ============================
</TABLE>

NOTE 23 - LEGAL PROCEEDINGS

     On January 31, 2000, a putative class action lawsuit was filed against CCC,
Dairyland  Insurance  Co.,  and Sentry Insurance Company in the Circuit Court of
Johnson  County,  Illinois. The case is captioned SUSANNA COOK v. DAIRYLAND INS.
CO.,  SENTRY  INS.  and  CCC  INFORMATION SERVICES INC., No. 2000 L-1. Plaintiff
alleges  that  her insurance company, using a valuation prepared by CCC, offered
an  inadequate  amount  for  her  automobile.  Plaintiff  seeks  to  represent a
nationwide class of all insurance customers, who, during the period from January
28,  1989,  up to the date of trial, had their total loss claims settled using a
valuation  report  prepared  by CCC. The complaint also seeks certification of a
defendant  class  consisting of all insurance companies who used CCC's valuation
reports  to  determine  the  "actual  cash value" of totaled vehicles. Plaintiff
asserts  various  common law and contract claims against the defendant insurance
companies,  and  various  common  law  claims  against  CCC.  Plaintiff seeks an
unspecified  amount of compensatory and punitive damages, as well as an award of
attorney's  fees  and  costs.

     During  January  and February of 2001, the group of plaintiffs' lawyers who
filed  the COOK lawsuit filed ten (10) additional putative class action lawsuits
against  CCC and several of its insurance company customers in the Circuit Court
of  Madison  County,  Illinois.  The  plaintiffs  in  eight  (8)  of those cases
subsequently dismissed their claims against CCC without prejudice. The remaining
two  cases  are captioned as follows: LANCEY v. COUNTRY MUTUAL INS. CO., COUNTRY
CASUALTY  INS.  d/b/a COUNTRY COMPANIES, and CCC INFORMATION SERVICES INC., Case
No.  01 L 113 (filed January 29, 2001); TRAVIS v. KEMPER CASUALTY INS. CO. d/b/a
KEMPER  INSURANCE  and  CCC  INFORMATION SERVICES INC., Case No. 01 L 290 (filed
February  16,  2001).  The  allegations  and  claims asserted in these cases are
substantially  similar to those in the COOK case, as is the relief sought.  Each
plaintiff  seeks  to  represent  a  nationwide  class  of  the  customers of the
insurance company that is the defendant in that case who, during the period from
January  28,  1989, up to the date of trial, had their total loss claims settled
using  a  valuation report prepared by CCC.  The LANCEY case seeks certification
of  a  defendant  class,  as  does  the  COOK  case.

                                       55
<PAGE>

     CCC  and  certain  of  its insurance company customers have been engaged in
settlement   discussions   with   the   plaintiffs'   attorneys  who  filed  the
above-referenced  cases  in  Johnson  County  and Madison County, Illinois. Upon
completion,  the  anticipated  settlement would resolve potential claims arising
out of approximately 30 percent of the CCC's total transaction volume during the
time  period  covered by the lawsuits, and it would also resolve a number of the
putative  class  action  suits  currently pending against CCC and certain of its
customers.  These  settlement negotiations are ongoing, but at this time CCC and
certain  of  its  insurance  company  customers  have  reached  an  agreement in
principle  as to CCC's proposed contribution to the potential settlement. During
the  fourth  quarter of 2001, CCC recorded a pre-tax charge of $4.3 million, net
of  an  expected  insurance reimbursement of $2.0 million, as an estimate of the
amount  that   CCC   will  contribute  toward  the  potential  settlement.  Upon
completion  of  the  anticipated  settlement,  CCC would agree to enter into the
settlement for the purpose of avoiding the expense and distraction of protracted
litigation,  without  any  express  or  implied  acknowledgment  of any fault or
liability  to  the  plaintiff,  the  putative  class  or  anyone  else.

     The  consummation  of  the settlement with the plaintiffs and the amount of
CCC's  contribution  to  the  proposed  settlement remain subject to a number of
significant  contingencies,  including,  among  other  things,  the  extent   of
participation  on the part of CCC's insurance company customers, the negotiation
of settlement terms between the plaintiffs and those of CCC's customers that are
participating  in  the  settlement negotiations, as well as judicial approval of
any  proposed  settlement  agreement.  As  a  result,  at this time, there is no
assurance that the settlement will be successfully consummated or, if completed,
that  the  final  settlement will be on the terms or levels of participation set
forth  above.  There  is  also  no  assurance  that existing or potential claims
arising  out  of  the  remainder of CCC's total loss transaction volume could be
settled  on  comparable  terms.

     Between  October  of 1999 and July of 2000, a separate group of plaintiffs'
attorneys  filed  a  series  of  putative  class action lawsuits against CCC and
several  of its insurance company customers in the Circuit Court of Cook County,
Illinois. The cases (excluding cases that have since been dismissed and have not
been  appealed)  are  captioned as follows: ALVAREZ-FLORES v. AMERICAN FINANCIAL
GROUP,  INC., ATLANTA CASUALTY CO., and CCC INFORMATION SERVICES INC., No. 99 CH
15032  (filed October 19, 1999); GIBSON v. ORIONAUTO, GUARANTY NATIONAL INS. CO.
and  CCC  INFORMATION  SERVICES  INC., No. 99 CH 15082 (filed October 20, 1999);
STEPHENS  v.  THE  PROGRESSIVE  CORP.,  PROGRESSIVE  PREFERRED  INS. CO. and CCC
INFORMATION  SERVICES  INC.,  No.  99 CH 15557 (filed October28, 1999). The same
group  of plaintiffs' attorneys filed an additional case in the Circuit Court of
Cook  County  on  or  about May 16, 2001. That case is captioned SCALES v. GEICO
GENERAL  INSURANCE  COMPANY  AND  CCC  INFORMATION SERVICES INC., NO. 01 CH 8198
(filed  May16,  2001).  These  cases  contain  allegations  and  claims that are
substantially similar to the cases pending in Madison County, Illinois described
above.

     Between  June and August of 2000, a separate group of plaintiffs' attorneys
filed three putative class action cases against CCC and various of its insurance
company  customers in the State Court of Fulton County, Georgia. Those cases are
McGOWAN  v.  PROGRESSIVE  CASUALTY  INS.  CO.,  PROGRESSIVE  INS.  CO.,  and CCC
INFORMATION  SERVICES INC., Case No. 00VS006525 (filed June 16, 2000), DASHER v.
ATLANTA  CASUALTY  CO.  and  CCC  INFORMATION SERVICES INC., Case No. 00VS006315
(filed  6/16/00)  and  WALKER  v.  STATE FARM MUTUAL AUTOMOBILE INS. CO. and CCC
INFORMATION  SERVICES  INC.,  Case  No.  00VS007964  (filed August 2, 2000). The
plaintiff  in  each  case  alleges  that  his  or her insurance company, using a
valuation prepared by CCC, offered plaintiff an inadequate amount for his or her
automobile  and  that CCC's Total Loss valuation service provides values that do
not  comply  with  the  applicable  Georgia  regulations.  The plaintiffs assert
various  common  law  and  statutory  claims  against the defendants and seek to
represent  a  nationwide  class  of  insurance  company  customers. Additionally
plaintiffs  seek to represent a similar statewide sub-class for claims under the
Georgia  RICO  statute.  Plaintiffs  seek  unspecified  compensatory, treble and
punitive  damages,  as  well  as  an  award  of  attorneys'  fees  and expenses.

                                       56
<PAGE>

     In 2001, one of the plaintiffs' attorneys who filed the McGOWAN, DASHER AND
WALKER cases discussed above filed additional complaints against CCC and certain
of  its  insurance  company  customers.  Those  cases are HECKLER v. PROGRESSIVE
EXPRESS  INSURANCE  COMPANY,  PROGRESSIVE  AMERICAN  INSURANCE  COMPANY  and CCC
INFORMATION  SERVICES  INC., Case No. 00003573 (filed against CCC on November 5,
2001  in  the  Circuit  Court  of  the  Thirteenth  Judicial Circuit, in and for
Hillsborough  County,  Florida);  and ROMERO v. VESTA FIRE INSURANCE CORPORATION
and  CCC  INFORMATION SERVICES INC., Case No. 367282 (filed November 19, 2001 in
the  Superior  Court  of  the  State  of  California,  County of Riverside). The
plaintiffs in these cases allege that the insurer, using a valuation provided by
CCC, offered them an inadequate amount for their automobile. The plaintiffs also
allege  that  CCC's  Total  Loss  valuation  service provides values that do not
comply   with   applicable   state   regulations  governing  total  loss  claims
settlements. On that basis, the plaintiffs assert various claims against CCC and
seek an award of unspecified compensatory and punitive damages, attorneys' fees,
interest  and  costs.   The  plaintiff  in  ROMERO  also  seeks  injunctive  and
declaratory  relief.  The  HECKLER  cases is pled as an individual action, while
the  plaintiff  in  ROMERO  seeks  to  represent  a  class of certain California
residents  insured  under a Vesta California policy whose total loss claims were
adjusted  using  a  CCC  valuation.

     On  or  about January 18, 2002, a complaint was filed in the State Court of
Fulton  County,  Georgia  against  CCC,  one of its insurance company customers,
Allstate,  and  other  defendants.  The case is captioned HUTCHINSON v. ALLSTATE
INSURANCE  COMPANY, BRANCH BANKING & TRUST COMPANY, SADISCO CORPORATION, and CCC
INFORMATION  SERVICES  INC.,  Civil  Action  No.  02V5027697C (filed January 18,
2002).  The plaintiffs in the HUTCHINSON case allege that their insurer declared
their  vehicle  a  total  loss  despite a dispute over the value of the vehicle.
Plaintiffs further allege that, despite their instructions not to dispose of the
vehicle,  Allstate  had  the  car towed and subsequently sold. Plaintiffs allege
that  CCC  provided Allstate with a reduced fair market value for their vehicle.
Plaintiffs  assert  various  common  law  claims  against  CCC  and  the   other
defendants,  as  well as a claim under the Georgia RICO statute. Plaintiffs seek
an  award  of unspecified compensatory and punitive damages and attorneys' fees.

     On  or  about November 12, 2002, a complaint was filed in the Circuit Court
of  Barbour  County,  Alabama  against  CCC  and  one  of  its insurance company
customers.  The  case  is  captioned  WILLIAMS  v.  NATIONWIDE  MUTUAL INSURANCE
COMPANY,  NATIONWIDE  MUTUAL  FIRE  INSURANCE  COMPANY,  NATIONWIDE PROPERTY AND
CASUALTY  INSURANCE COMPANY, and CCC INFORMATION SERVICES INC., Civil Action No.
CV-2002-094  (filed  November  12,  2002).  The  plaintiff  in the WILLIAMS case
alleges  that  her  insurer,  using  a valuation provided by CCC, offered her an
inadequate  amount  for  their automobile. The plaintiff also alleges that CCC's
Total  Loss valuation service provides values that do not comply with applicable
state  regulations  governing  total loss claims settlements. On that basis, the
plaintiff  asserts  various claims against CCC and seeks an award of unspecified
compensatory and punitive damages, attorneys' fees, interest and costs, although
plaintiff  alleges  that  her  compensatory  and  punitive damages, exclusive of
interest and fees, do not exceed $75,000.

     CCC  is  aware  of two class certification rulings in cases involving CCC's
Total  Loss valuation service, to which CCC is not a party. In JOSEPH JOHNSON ET
AL.  v. FARMERS INSURANCE EXCHANGE, NO. D035649 (SUPERIOR COURT NO. 726452), the
California  Court  of  Appeal reversed an order by the San Diego County Superior
Court  denying  class  certification.  The  Court of Appeal ordered the Superior
Court  to certify a class consisting of all California residents insured under a
Farmers California private party passenger vehicle policy who, from December 10,
1994  through  the  present,  received  a  first  party total loss settlement or
settlement  offer  that  was less than the CCC base value because of a deduction
for  one  or more condition adjustments, and whose overall vehicle condition was
at  least  average  and  up  to, but not including, "dealer ready." CCC is not a
party  to  the  JOHNSON case but has become aware of the Court of Appeal's class
certification  ruling.

      In  PAK, ET AL. v FARMERS GROUP, INC. AND FARMERS INSURANCE EXCHANGE, CASE
NO. CV98-04873, the Second Judicial District Court of the State of Nevada in and
for  Washoe  County has certified a class of Nevada customers insured by Farmers
whose  total  loss  claims were paid on the basis of valuations prepared by CCC.
CCC  is  not  a  party to the PAK case but has become aware of the court's class
certification  ruling.

                                       57
<PAGE>

     Four  of CCC's automobile insurance company customers have made contractual
and,  in  some  cases,  also  common  law indemnification claims against CCC for
litigation costs, attorneys' fees, settlement payments and other costs allegedly
incurred  by  them  in connection with litigation relating to their use of CCC's
Total  Loss  valuation  product.  CCC  has  asserted  various  defenses to these
indemnification  claims.

     CCC  intends  to  vigorously  defend  its  interests  in  all  of the above
described  lawsuits  and claims to which it is a party and support its customers
in  other  actions.  Due  to  the numerous legal and factual issues that must be
resolved  during the course of litigation, CCC is unable to predict the ultimate
outcome  of  any  of these actions. If CCC was held liable in any of the actions
(or  otherwise  concludes  that  it  is  in CCC's best interest to settle any of
them),  CCC  could be required to pay monetary damages (or settlement payments).
Depending  upon  the  theory  of  recovery  or the resolution of the plaintiff's
claims  for   compensatory   and  punitive  damages,  or  potential  claims  for
indemnification  or contribution by CCC's customers in any of the actions, these
monetary  damages (or settlement payments) could be substantial and could have a
material  adverse  effect  on  CCC's business, financial condition or results of
operations.  CCC is unable to estimate the magnitude of its exposure, if any, at
this  time.  As additional information is gathered and the lawsuits proceed, CCC
will  continue  to  assess  its  potential  impact.

     In  addition to the foregoing, two cases previously disclosed by CCC during
2002  were  resolved  during  the  last quarter of 2002. In BARBER v. STATE AUTO
INSURANCE  CO.,  SONNY  J.  SMITH, EVERS AND ASSOCIATES, INC., BRIAN SIGMON, CCC
INFORMATION  SERVICES  INC.,  and  TIM  GAINER,  Case No. CV-02-B-0531-X (United
States  District Court for the Northern District of Alabama) (filed February 28,
2002),  the  United  States  Court of Appeals for the Eleventh Circuit issued an
order  on  January  10,  2003,  affirming  the district court's order dismissing
plaintiff's  claims  against  CCC  with  prejudice.

In ANDERSON v. CALIFORNIA STATE AUTOMOBILE ASS'N, CCC INFORMATION SERVICES INC.,
and  DOES  1-100,  Case  Action  No. 2002056932 (Superior Court for the State of
California,  County  of  Alameda) (filed July 5, 2002), the plaintiffs dismissed
their  claim  against  CCC  without  prejudice.

NOTE 24 - SUBSEQUENT EVENT (UNAUDITED)

     On  February  26,  2003,  we  acquired  substantially  all of the assets of
Comp-Est,  Inc.  ("Comp-Est")  from  the  Motor  Information Systems Division of
Hearst Business Publishing, Inc. ("Hearst"), for approximately $13.0 million, in
cash.  The  purchase  price  was determined according to a revenue-based formula
included  in our Option Agreement, dated July, 1998, with Hearst.  We funded the
purchase  price  of the Comp-Est assets out of working capital.  Comp-Est, based
in  Columbus,  Ohio,  provides  automotive  estimating  software applications to
single-location  repair facilities.  Immediately prior to our acquisition of the
assets  of  Comp-Est  from  Hearst,  Hearst  acquired  the  assets from Comp-Est
pursuant  to an Option and Acquisition Agreement, dated February 6, 1998, by and
among  Hearst,  Comp-Est  and  the  Comp-Est  stockholders  named  therein.

                                       58
<PAGE>


                      CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                   SUPPLEMENTAL FINANCIAL STATEMENT SCHEDULES
                  SCHEDULE II-VALUATION AND QUALIFYING ACCOUNTS
                                 (IN THOUSANDS)
<TABLE>
<CAPTION>
<S>                                            <C>            <C>         <C>               <C>          <C>
                                                BALANCE AT     CHARGED TO   CHARGED TO                   BALANCE
                                               BEGINNING OF     COSTS AND    OTHER         ADDITIONS/    AT END
DESCRIPTION                                       PERIOD        EXPENSES    ACCOUNTS       DEDUCTIONS   OF PERIOD
---------------------------------------------  --------------------------------------------------------------------

2000 Allowance for Doubtful Accounts (b). . .  $       3,914       4,172       97          (4,912)(a)  $    3,271
2001 Allowance for Doubtful Accounts (b). . .  $       3,271       1,920       83          (2,986)(a)  $    2,288
2002 Allowance for Doubtful Accounts s. . . .  $       2,288       1,755       26          (1,756)(a)  $    2,313

2000 Deferred Income Tax Valuation Allowance.  $           -           -        -            2,826(c)  $    2,826
2001 Deferred Income Tax Valuation Allowance.  $       2,826           -        -            8,663(d)  $   11,489
2002 Deferred Income Tax Valuation Allowance.  $      11,489           -        -              110(e)  $   11,599
</TABLE>

     (a)  Accounts  receivable  write-offs,  net  of  recoveries.

     (b)  The  allowance  for  doubtful  accounts  for  2000  and 2001 have been
          restated  to  exclude  balances  related  to  discontinued operations.

     (c)  Increase  in  deferred  income tax valuation allowance for foreign net
          operating  losses.

     (d)  Increase  in  deferred  income tax valuation allowance for foreign net
          operating  losses  and  ChannelPoint  capital  loss  carryforward.

     (e)  Additional  valuation  allowance  for  capital  loss  on  sale  of CCC
          Southeast  assets  (goodwill)

                                       59
<PAGE>


                                  EXHIBIT INDEX


3.1  Amended   and   Restated   Certificate  of  Incorporation  of  the  Company
     (incorporated  herein  by  reference  to  Exhibit 3.1 of the Company's 2000
     Annual  Report  on  Form 10-K, as amended, Commission File Number 000-28600
     filed  on  April  17,  2001)

3.2  Certificate  of  Amendment  of  Amended   and   Restated   Certificate   of
     Incorporation  for the Company (incorporated herein by reference to Exhibit
     3.2  of  the  Company's  2000  Annual  Report  on  Form  10-K,  as amended,
     Commission  File  Number  000-28600  filed  on  April  17,  2001)

3.3  Second  Amended  and Restated Bylaws of the Company (incorporated herein by
     reference  to Exhibit 3.2 of the Company's 1996 Annual Report on Form 10-K,
     as  amended,  Commission  File  Number  000-28600  filed on March 14, 1997)

10.1 Purchase  Agreement, dated as of November 29, 2001, between CCC Information
     Services  Group  Inc.,  White River Ventures, Inc., Capricorn Investors II,
     L.P. and Capricorn Investors III, L.P. (incorporated herein by reference to
     Exhibit  10.1  of  the  Company's  Current  Report on Form 8-K, as amended,
     Commission  File  Number  000-28600  filed  on  December  3,  2001)

10.2 Second Amended and Restated Credit Facility, dated as of November 30, 2001,
     by and among CCC Information Services Inc., the financial institutions from
     time  to  time  parties  thereto  and LaSalle Bank National Association, as
     Administrative  Agent  (incorporated herein by reference to Exhibit 10.2 of
     the  Company's  Current  Report  on  Form  8-K, as amended, Commission File
     Number  000-28600  filed  on  December  3,  2001)

10.3 First  Amendment  and Waiver, dated as of November 30, 2001, to the Warrant
     dated  as  of  February  23, 2001, issued by CCC Information Services Group
     Inc.  for the benefit of Capricorn Investors III, L.P. (incorporated herein
     by  reference  to Exhibit 10.3 of the Company's Current Report on Form 8-K,
     as  amended,  Commission  File  Number 000-28600 filed on December 3, 2001)

10.4 Supplemental  Indenture,  dated as of November 30, 2001, by and between CCC
     Information  Services Group Inc. and Wilmington Trust Company (incorporated
     herein by reference to Exhibit 10.4 of the Company's Current Report on Form
     8-K,  as  amended,  Commission  File  Number 000-28600 filed on December 3,
     2001)

10.5 Agreement,  dated as of November 30, 2001, between CCC Information Services
     Group  Inc.  and  Capricorn  Investors  III,  L.P.  (incorporated herein by
     reference  to  Exhibit 10.5 of the Company's Current Report on Form 8-K, as
     amended,  Commission  File  Number  000-28600  filed  on  December 3, 2001)

10.6 Amended  and  Restated  Security  Agreement, dated as of November 30, 2001,
     between CCC Information Services Inc. and LaSalle Bank National Association
     (incorporated  herein by reference to Exhibit 10.6 of the Company's Current
     Report  on  Form 8-K, as amended, Commission File Number 000-28600 filed on
     December  4,  2001)

10.7 Amended and Restated Pledge Agreement of Domestic Subsidiaries, dated as of
     November 30, 2001, between CCC Information Services Inc.'s Subsidiaries and
     LaSalle  Bank  National  Association  (incorporated  herein by reference to
     Exhibit  10.7  of  the  Company's  Current  Report on Form 8-K, as amended,
     Commission  File  Number  000-28600  filed  on  December  4,  2001)

10.8 Amended and Restated Domestic Subsidiary Guaranty, dated as of November 30,
     2001, between CCC Information Services Inc.'s Subsidiaries and LaSalle Bank
     National  Association  (incorporated herein by reference to Exhibit 10.8 of
     the  Company's  Current  Report  on  Form  8-K, as amended, Commission File
     Number  000-28600  filed  on  December  4,  2001)

10.9 Amended  and  Restated  Pledge  Agreement,  dated  as of November 30, 2001,
     between  CCC  Information  Services  Group  Inc.  and LaSalle Bank National
     Association  (incorporated  herein  by  reference  to  Exhibit  10.9 of the
     Company's  Current  Report  on Form 8-K, as amended, Commission File Number
     000-28600  filed  on  December  4,  2001)

10.10  Amended  and Restated Guaranty, dated as of November 30, 2001,between CCC
     Information  Services  Group  Inc.  and  LaSalle  Bank National Association
     (incorporated herein by reference to Exhibit 10.10 of the Company's Current
     Report  on  Form 8-K, as amended, Commission File Number 000-28600 filed on
     December  4,  2001)

                                       60
<PAGE>

10.11  Subordination  Agreement,  dated  as  of  November 30, 2001, by and among
     LaSalle  Bank  National  Association, White River Ventures, Inc., Capricorn
     Investors  II,  L.P. and Capricorn Investors III, L.P. (incorporated herein
     by  reference to Exhibit 10.11 of the Company's Current Report on Form 8-K,
     as  amended,  Commission  File  Number 000-28600 filed on December 4, 2001)

10.12  Securities  Purchase  Agreement  dated  as of February 23, 2001 Among CCC
     Information  Services Group Inc., CCC Capital Trust and Capricorn Investors
     III,  L.P.  (incorporated herein by reference to Exhibit 10.14 of Company's
     2000  Annual  Report  on  Form  10-K,  as  amended,  Commission File Number
     000-28600  filed  on  April  17,  2001)

10.13  Registration  Rights  Agreement dated as of February 23, 2001 Between CCC
     Information  Services  Group  Inc.  and  Capricorn  Investors  III,  L.P.
     (incorporated herein by reference to Exhibit 10.15 of Company's 2000 Annual
     Report  on Form 10-K, as amended, Commission File Number 000-28600 filed on
     April  17,  2001)

10.14  Warrant  dated as of February 23, 2001 issued by CCC Information Services
     Group  Inc.  for the benefit of Capricorn Investors III, L.P. (incorporated
     herein by reference to Exhibit 10.16of Company's 2000 Annual Report on Form
     10-K, as amended, Commission File Number 000-28600 filed on April 17, 2001)

10.15  Agreement  dated as of February 23, 2001 between CCC Information Services
     Group  Inc.  and  Capricorn  Investors  III,  L.P.  (incorporated herein by
     reference to Exhibit 10.17 of Company's 2000 Annual Report on Form 10-K, as
     amended,  Commission  File  Number  000-28600  filed  on  April  17,  2001)

10.16  Amended  and  Restated  MOTOR  Crash  Estimating  Guides Database License
     Agreement  (incorporated  herein by reference to Exhibit 10.16 of Company's
     2001  Annual Report on Form 10-K, Commission File Number 000-28600 Filed on
     March  26,  2002)

10.17  ChoiceParts,  LLC  Members' Agreement By and Among ChoiceParts, LLC, ADP,
     Inc.,  CCC Information Services, Inc. and the Reynolds and Reynolds Company
     dated  May  4,  2000  (incorporated herein by reference to Exhibit 10.13 of
     Company's  2000  Annual  Report  on  Form 10-K, as amended, Commission File
     Number  000-28600  filed  on  April  17,  2001)

10.18  2000  Stock  Incentive  Plan (incorporated herein by reference to Exhibit
     4.01  of  the Company's Registration Statement on Form S-8, Commission File
     Number  333-51328  filed  on  December  6,  2000)

10.19  1997  Stock  Option Plan, as amended (incorporated herein by reference to
     Exhibit  4.04  of  the  Company's  Registration  Statement  on   Form  S-8,
     Commission  File  Number  333-67645  filed  November  20,  1998)

10.20  1997  Stock  Option Plan, as amended (incorporated herein by reference to
     the  Company's  Registration  Statement on Form S-8, Commission File Number
     333-79983  filed  June  4,  1999)

10.21  401(k)  Company  Retirement  Savings  &  Investment  Plan, as amended and
     restated  effective  January 1, 2001, dated February 27, 2002 (incorporated
     herein  by  reference  to  Exhibit 10.21 of Company's 2001 Annual Report on
     Form  10-K,  Commission  File  Number  000-28600  Filed  on March 26, 2002)

10.22  1998  Employee  Stock  Purchase Plan (incorporated herein by reference to
     Exhibit  4.04  of  the  Company's  Registration  Statement   on  Form  S-8,
     Commission  File  Number  333-47205  filed  March  2,  1998)

10.23  Employment  Agreement,  effective  July  1,  2001,  by  and  between  CCC
     Information  Services  Inc.  and  Githesh  Ramamurthy  (management contract
     required  to be filed pursuant to Item 601 of Regulation S-K) (incorporated
     herein  by  reference  to  Exhibit 10.23 of Company's 2001 Annual Report on
     Form  10-K,  Commission  File  Number  000-28600  Filed  on March 26, 2002)

10.24  Executive  Loan  Arrangement by and between CCC Information Services Inc.
     and  Charlesbank  Capital Partners dated July 16, 2001 (incorporated herein
     by reference to Exhibit 10.24 of Company's 2001 Annual Report on Form 10-K,
     Commission  File  Number  000-28600  Filed  on  March  26,  2002)

10.25  Promissory Note from Githesh Ramamurthy to CCC Information Services Group
     Inc.  (management  contract  required  to  be filed pursuant to Item 601 of
     Regulation  S-K)  (incorporated  herein  by  reference  to Exhibit 10.25 of
     Company's 2001 Annual Report on Form 10-K, Commission File Number 000-28600
     Filed  on  March  26,  2002)

10.26  Promissory Note from Githesh Ramamurthy to CCC Information Services Group
     Inc.  (management  contract  required  to  be filed pursuant to Item 601 of
     Regulation  S-K)  (incorporated  herein  by  reference  to Exhibit 10.26 of
     Company's 2001 Annual Report on Form 10-K, Commission File Number 000-28600
     Filed  on  March  26,  2002)

                                       61
<PAGE>

10.27  *  First  amendment to the 401(k) Company Retirement Savings and Interest
     Plan,  dated  December  31,  2002

10.28  *  First amendment to 2000 Stock Incentive Plan dated February 10, 2003

10.29  *  First amendment to 1997 Stock Plan dated February 10, 2003

10.30  Purchase and Waiver Agreement, dated as of October 21, 2002, by and among
     the  Company,   CCC   Capital  Trust  and  Capricorn  Investors  III,  L.P.
     (incorporated  herein by reference to Exhibit 10.1 of the Company's Current
     Report  on  Form 8-K, Commission File Number 000-28600 Filed on October 28,
     2002)

13.1 ChoiceParts,  LLC  Audited Financial Statements for the year ended December
     31,  2001  (incorporated  herein  by reference to Exhibit 13.1 of Company's
     2001  Annual Report on Form 10-K, Commission File Number 000-28600 Filed on
     March  26,  2002)

13.2 Enterstand Limited Audited Financial Statements for the year ended December
     31,  2001  (incorporated  herein  by reference to Exhibit 13.2 of Company's
     2001  Annual Report on Form 10-K, Commission File Number 000-28600 Filed on
     March  26,  2002)

21   *  List of Subsidiaries

23.1 *  Consent of PricewaterhouseCoopers LLP


*  Filed  herewith.

                                       62
<PAGE>

                      CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                                     SIGNATURES
<TABLE>
<CAPTION>
<S>     <C>                                                   <C>     <C>
By:     /s/ Githesh Ramamurthy                                By:     /s/ Thomas L. Kempner
        -----------------------                                       --------------------------
Name:   Githesh Ramamurthy                                    Name:   Thomas L. Kempner
Title:  Chairman and Chief Executive Officer                  Title:  Director


By:     /s/ Reid E. Simpson                                   By:     /s/ Dudley C. Mecum
        -----------------------                                       --------------------------
Name:   Reid E. Simpson                                       Name:   Dudley C. Mecum
Title:  Executive Vice President and                          Title:  Director
              Chief Financial Officer


By:     /s/ Morgan W. Davis                                   By:     /s/ Mark A. Rosen
        -----------------------                                       --------------------------
Name:   Morgan W. Davis                                       Name:   Mark A. Rosen
Title:  Director                                              Title:  Director


By:     /s/ Michael R. Eisenson                               By:     /s/ Herbert S. Winokur Jr.
        -----------------------                                       --------------------------
Name:   Michael R. Eisenson                                   Name:   Herbert S. Winokur Jr.
Title:  Director                                              Title:  Director

</TABLE>

                                       63
<PAGE>

                      CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                                 CERTIFICATIONS

I,  Githesh Ramamurthy,  Chairman and Chief Executive Officer of CCC Information
Services  Group  Inc.,  certify  that:

     1.   I  have  reviewed  this  annual report on Form 10-K of CCC Information
          Services  Group  Inc.;

     2.   Based  on my knowledge, this annual report does not contain any untrue
          statement  of  a  material  fact  or  omit  to  state  a material fact
          necessary  to  make the statements made, in light of the circumstances
          under  which such statements were made, not misleading with respect to
          the  period  covered  by  this  annual  report;

     3.   Based  on  my knowledge, the financial statements, and other financial
          information  included  in  this  annual  report, fairly present in all
          material  respects  the financial condition, results of operations and
          cash  flows of the registrant as of, and for, the periods presented in
          this  annual  report;

     4.   The  registrant's  other certifying officers and I are responsible for
          establishing  and  maintaining  disclosure controls and procedures (as
          defined  in  Exchange  Act Rules 13a-14 and 15d-14) for the registrant
          and  we  have:

          a)   designed  such  disclosure controls and procedures to ensure that
               material  information  relating  to the registrant, including its
               consolidated  subsidiaries,  is made known to us by others within
               those  entities,  particularly  during  the  period in which this
               annual  report  is  being  prepared;

          b)   evaluated  the  effectiveness   of  the  registrant's  disclosure
               controls  and procedures as of a date within 90 days prior to the
               filing  date  of  this annual report (the "Evaluation Date"); and

          c)   presented  in  this  quarterly  report  our conclusions about the
               effectiveness  of the disclosure controls and procedures based on
               our  evaluation  as  of  the  Evaluation  Date;

     5.   The registrant's other certifying officers and I have disclosed, based
          on  our  most  recent evaluation, to the registrant's auditors and the
          audit  committee  of  registrant's  board  of  directors  (or  persons
          performing  the  equivalent  functions):

          a)   all  significant  deficiencies  in  the  design  or  operation of
               internal  controls  which could adversely affect the registrant's
               ability  to  record, process, summarize and report financial data
               and  have  identified  for the registrant's auditors any material
               weaknesses  in  internal  controls;  and

          b)   any  fraud,  whether or not material, that involves management or
               other  employees  who have a significant role in the registrant's
               internal  controls;  and

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<PAGE>

     6.   The  registrant's  other  certifying  officers and I have indicated in
          this  annual  report  whether or not there were significant changes in
          internal  controls or in other factors that could significantly affect
          internal  controls  subsequent  to  the  date  of  our   most   recent
          evaluation,   including   any   corrective   actions  with  regard  to
          significant  deficiencies  and  material  weaknesses.



          Date:  March 7, 2003                By:     /s/Githesh Ramamurthy
                                                      ----------------------
                                              Name:   Githesh Ramamurthy
                                              Title:  Chairman and
                                                        Chief Executive Officer


                    CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                         PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002

I,  Githesh  Ramamurthy, Chairman and Chief Executive Officer of CCC Information
Services  Group  Inc.  (the  "COMPANY"),  hereby  certify that, to my knowledge:

     1.   The  Annual  Report  on  Form  10-K  of the Company for the year ended
          December  31, 2002 (the "REPORT") fully complies with the requirements
          of  Section  13(a)  or Section 15(d), as applicable, of the Securities
          Exchange  Act  of  1934,  as  amended;  and

     2.   The  information  contained  in  the  Report  fairly  presents, in all
          material  respects,  the financial condition and results of operations
          of  the  Company.


          Date:  March 7, 2003                By:     /s/Githesh Ramamurthy
                                                      ---------------------
                                              Name:   Githesh Ramamurthy
                                              Title:  Chairman and
                                                        Chief Executive Officer

                                       65
<PAGE>


                                 CERTIFICATIONS

I, Reid E. Simpson,  Executive Vice President and Chief Financial Officer of CCC
Information  Services  Group  Inc.,  certify  that:

     1.   I  have  reviewed  this  annual report on Form 10-K of CCC Information
          Services  Group  Inc.;

     2.   Based  on my knowledge, this annual report does not contain any untrue
          statement  of  a  material  fact  or  omit  to  state  a material fact
          necessary  to  make the statements made, in light of the circumstances
          under  which such statements were made, not misleading with respect to
          the  period  covered  by  this  annual  report;

     3.   Based  on  my knowledge, the financial statements, and other financial
          information  included  in  this  annual  report, fairly present in all
          material  respects  the financial condition, results of operations and
          cash  flows of the registrant as of, and for, the periods presented in
          this  annual  report;

     4.   The  registrant's  other certifying officers and I are responsible for
          establishing  and  maintaining  disclosure controls and procedures (as
          defined  in  Exchange  Act Rules 13a-14 and 15d-14) for the registrant
          and  we  have:

          a)   designed  such  disclosure controls and procedures to ensure that
               material  information  relating  to the registrant, including its
               consolidated  subsidiaries,  is made known to us by others within
               those  entities,  particularly  during  the  period in which this
               annual  report  is  being  prepared;

          b)   evaluated  the  effectiveness  of  the  registrant's   disclosure
               controls  and procedures as of a date within 90 days prior to the
               filing  date  of  this annual report (the "Evaluation Date"); and

          c)   presented  in  this  annual  report  our  conclusions  about  the
               effectiveness  of the disclosure controls and procedures based on
               our  evaluation  as  of  the  Evaluation  Date;

     5.   The registrant's other certifying officers and I have disclosed, based
          on  our  most  recent evaluation, to the registrant's auditors and the
          audit  committee  of  registrant's  board  of  directors  (or  persons
          performing  the  equivalent  functions):

          a)   all  significant  deficiencies  in  the  design  or  operation of
               internal  controls  which could adversely affect the registrant's
               ability  to  record, process, summarize and report financial data
               and  have  identified  for the registrant's auditors any material
               weaknesses  in  internal  controls;  and

          b)   any  fraud,  whether or not material, that involves management or
               other  employees  who have a significant role in the registrant's
               internal  controls;  and

                                       66
<PAGE>

     6.   The  registrant's  other  certifying  officers and I have indicated in
          this  annual  report  whether or not there were significant changes in
          internal  controls or in other factors that could significantly affect
          internal   controls  subsequent  to  the   date  of  our  most  recent
          evaluation,  including   any   corrective  actions   with   regard  to
          significant  deficiencies  and  material  weaknesses.



          Date:  March 7, 2003               By:     /s/ Reid E. Simpson
                                                     --------------------
                                             Name:   Reid  E. Simpson
                                             Title:  Executive Vice President
                                                     and Chief Financial Officer



                  CERTIFICATION OF CHIEF EXECUTIVE OFFICER
                         PURSUANT TO SECTION 906 OF THE
                           SARBANES-OXLEY ACT OF 2002


I,  Reid E. Simpson, Executive Vice President and Chief Financial Officer of CCC
Information  Services  Group  Inc.  (the  "COMPANY"), hereby certify that, to my
knowledge:

     1.   The  Annual  Report  on  Form  10-K  of the Company for the year ended
          December  31, 2002 (the "REPORT") fully complies with the requirements
          of  Section  13(a)  or Section 15(d), as applicable, of the Securities
          Exchange  Act  of  1934,  as  amended;  and

     2.   The  information  contained  in  the  Report  fairly  presents, in all
          material  respects,  the financial condition and results of operations
          of  the  Company.



          Date:  March 7, 2003               By:    /s/ Reid E. Simpson
                                                     --------------------
                                             Name:  Reid  E. Simpson
                                             Title: Executive Vice President
                                                    and Chief Financial Officer

                                       67
<PAGE>

                      CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES



DIRECTORS              Morgan  W.  Davis
                       Managing  Director
                       One  Beacon  Insurance  Group

                       Michael  R.  Eisenson
                       Managing  Director  and  Chief  Executive  Officer
                       Charlesbank  Capital  Partners  LLC

                       Thomas  L.  Kempner
                       Chairman  and  Chief  Executive  Officer
                       Loeb  Partners  Corporation

                       Dudley  C.  Mecum
                       Managing  Director
                       Capricorn Holdings, LLC and Capricorn Holdings III, LLC

                       Githesh  Ramamurthy
                       Chairman  and  Chief  Executive  Officer
                       CCC  Information  Services  Group  Inc.

                       Mark  A.  Rosen
                       Managing  Director
                       Charlesbank  Capital  Partners  LLC

                       Herbert  S.  "Pug"  Winokur  Jr.
                       Chairman  and  Chief  Executive  Officer
                       Capricorn  Holdings,  Inc.


EXECUTIVE  OFFICERS    Githesh Ramamurthy
                       Chairman and Chief Executive Officer

                       J. Laurence Costin Jr.
                       Vice Chairman

                       Edward B. Stevens
                       President and Chief Operating Officer

                       Reid E. Simpson
                       Executive Vice President and Chief Financial Officer

                       James T. Beattie
                       Executive Vice President and Chief Technology Officer

                       Robert S. Guttman
                       Senior Vice President, General Counsel and Secretary

                       James A. Dickens
                       Senior Vice President, Product Management and Marketing

                       Thomas Baird
                       Senior Vice President, Corporate and Business Development

                       Oliver G. Prince, Jr.
                       Senior Vice President, Human Resources

                       Mary Jo Prigge
                       President-Sales and Service

                                       68
<PAGE>

                      CCC INFORMATION SERVICES GROUP INC.
                                AND SUBSIDIARIES

                              CORPORATE INFORMATION

CORPORATE  OFFICE
World  Trade  Center  Chicago
444  Merchandise  Mart
Chicago,  Illinois  60654
(312)  222-4636
www.cccis.com

TRANSFER  AGENT  REGISTRAR  FOR  COMMON  STOCK
Computershare  Investor  Services  LLC
Shareholder  Inquiries
P.O.  Box  A3504
Chicago,  Illinois  60602
(312)  588-4990
(312)  461-5633  (TDD)

STOCKHOLDER  SERVICES
You should contact the Transfer Agent for the stockholder services listed below:
Change  of  Mailing  Address
Consolidation  of  Multiple  Accounts
Elimination  of  Duplicate  Report  Mailings
Lost  or  Stolen  Certificates
Transfer  Requirements
Duplicate  1099  Forms
Please be prepared to provide your tax identification or social security number,
description  of  securities  and  address  of  record.

STOCK  LISTING  AND  TRADING  SYMBOL
Our  common  stock  is  listed  on  the  NASDAQ National Market System under the
trading  symbol  CCCG.

INDEPENDENT  ACCOUNTANTS
PricewaterhouseCoopers  LLP
One  North  Wacker  Drive
Chicago,  Illinois  60606

STOCKHOLDER  AND  INVESTMENT COMMUNITY  INQUIRIES
Written  inquiries  should  be  sent to our corporate office to the attention of
Investor  Relations.

ADDITIONAL  INFORMATION
This  Annual  Report on Form 10-K provides all annual information filed with the
Securities  and  Exchange Commission, except for exhibits. A listing of exhibits
appears  on  pages  60-62 of this Form 10-K. Copies of exhibits will be provided
upon  request  for  a nominal charge. Written requests should be directed to the
Investor  Relations  Department  at  our  corporate  office.

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