2022 Chevy Colorado LT: 101K Miles, Clean Title, $14K Gap to ACV
At 101K on a 2022, the warranty is gone, the depreciation cliff already happened, and someone else lived the hard miles.
How is the Shame Score calculated?
The Shame Score (1–10) combines five signals: damage-type severity, title-condition risk, the gap between ACV (Actual Cash Value — the car's pre-damage market price) and AI max bid, listing red flags (run/drive status, secondary damage), and misleading-listing signals from AI photo analysis. A score of 8+ means the model found no financially defensible reason to bid. ACV is pulled from auction listing data; repair costs reference industry body-shop benchmarks. All figures are directional estimates, not binding quotes. Repair costs reference CCC Intelligent Solutions benchmarks and regional body-shop averages.
Would you bid?
Vehicle
2022 CHEVROLET COLORADO
Title
clean
Damage
NORMAL WEAR
State
Kentucky
Mileage
100-150k
Runs/drives
Yes
Approx ACV
~$20,000
AI max bid
$0
ACV from auction listing data · Repair costs via CCC benchmarks + body-shop averages
In plain numbers: Someone is bidding ~$18,000+ on this vehicle. AI analysis says it's worth at most $0 as a project. That's a $20,000gap. Here's why.
A 2022 Colorado LT with a clean title and a $5,700 opening bid sounds like the deal that makes you call in sick to go to the auction. It runs. It drives. The keys are in it. The title is clean. The ACV (Actual Cash Value — what the truck was worth before it became someone's problem) sits at $19,925, which means you're looking at a nearly $14,000 gap between current bid and book value. On paper, this is the one.
The damage category is listed as 'Normal Wear,' which is the auction equivalent of a shrug. It tells you nothing except that whoever turned this truck in didn't do it because of a wreck. They did it because the truck had been used — hard, continuously, and for a very long time in a very short window. One hundred and one thousand miles on a three-year-old truck is not commuting. That's roughly 33,700 miles per year. The national average is 15,000. Whoever owned this Colorado was not gentle with it, and they were not gentle with it at highway speeds, probably loaded, possibly towing.
Here's where the math stops being friendly. A 2022 Colorado LT at 101K is past its 3-year/36,000-mile bumper-to-bumper warranty. Done. The powertrain warranty runs to 5 years/60,000 miles — also done, by 41,000 miles. You are buying this truck naked. The 2.5L four-cylinder in the LT trim is not a known catastrophic failure engine, but at 101K of hard use, you're shopping for a timing chain service ($800–$1,400), likely looking at new front struts ($600–$1,000 installed), brake rotors and pads front and rear ($400–$700), and whatever the previous owner deferred because they were putting 2,800 miles a month on a truck they were about to dump. If the transmission shows any hesitation — and at 101K on a high-use vehicle, check — add $3,500 to $5,500. Frame and suspension inspection isn't optional on a truck that may have towed. Add a pre-purchase inspection ($150–$200) because 'Normal Wear' is not a condition report, it's an absence of one.
Someone is going to win this at $9,000 or $10,000, feel smart about the $10,000 gap to ACV, and then spend the next six months closing that gap from the other direction. Brianna in Columbus is going to bid on this and discover that the previous owner's definition of 'Normal Wear' included 41,000 miles of towing a camper through the Appalachians. The truck runs today. The question is what it costs to keep it running tomorrow, and 'Normal Wear' at 101K on a three-year-old truck is not a condition — it's a warning label written in invisible ink.
“Three years old and already needs a retirement plan.”
What to watch for: NORMAL WEAR
- •Pull the oil filler cap and look at the underside — if you see a gray, mayonnaise-like residue, coolant is mixing with oil and the engine has a serious internal problem. On a high-mileage truck, this is a death sentence.
- •Get under the rear of the truck and grab the driveshaft U-joints by hand and try to move them. Any clunk or play means they're worn — replacement runs $300–$600 but tells you how the drivetrain was maintained overall.
- •Check the frame rails under the bed for rust, cracks, or weld repairs — especially if this truck was in a salt state. A truck doing 33K miles a year in the Midwest or Northeast accumulates frame corrosion fast, and a rusted frame on a Colorado makes the truck worthless regardless of what the engine does.
- •Sit in the driver's seat and count the wear on the bolster — the side of the seat that holds you in corners. A three-year-old truck with a heavily worn driver's bolster confirms the mileage is real and the driver was in and out constantly, which usually means fleet or delivery use, not highway cruising.
- •Ask for a Carfax or run the VIN before you bid. 101K in three years on a non-commercial vehicle is unusual. If it shows multiple owners, fleet registration, or rental history, the maintenance records are almost certainly incomplete.
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2022 CHEVROLET COLORADO / NORMAL WEAR / Kentucky / ACV ~$20,000 Shame Score: 6.2/10 | AI Max Bid: $0 Three years old and already needs a retirement plan. vetmyride.com/hall-of-shame/2022-chevy-colorado-lt-clean-title-k-gap-to-acv
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2002 LEXUS LS430 · Shame 7.8
“It runs. It just can't legally exist on a public road.”
Lot identifying info (lot number, VIN, seller, exact sale date) scrubbed. AI commentary is opinion based on publicly listed damage + auction signals. Always inspect in person before bidding.
AI-generated opinion based on publicly listed auction data. Not a factual vehicle assessment. Actual vehicle condition may differ from listing description. All figures are directional estimates, not binding quotes. VetMyRide is not affiliated with, endorsed by, or sponsored by any auction platform. Not a substitute for professional inspection.