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Your car was totaled. Is the insurer's offer actually fair?

Check the insurer's valuation report for common errors, see local comparable cars and an estimated market value range, and get a ready-to-send letter asking for a re-evaluation. You stay in control: you send it yourself.

Join the waitlist See a sample report
Free error check: paste your insurer's valuation report and see flagged issues plus a rough estimate of the dollars at stake. No card. Coming soon.
Flat $49 full report, no % of your settlementVIN-based decoding (NHTSA)You send the letter

Sample summary EXAMPLE

Insurer offer$17,075
Est. market range$22,970 to $24,060
Potential gap+$6,645
Wrong trimMissing optionsProjected sold adj.Comps 200+ mi away

From our sample report for a fictional claim, built on EXAMPLE comparable listings. Not a real customer result. Your numbers will differ.

How it works

Start free. Upgrade only if the check finds something worth pursuing.

1
Free error check

Paste or upload the insurer's valuation report and enter your VIN, mileage and offer. We flag common problems such as the wrong trim, missing options, condition deductions, list-price "negotiation" cuts, distant comparables, and excluded tax and fees.

2
Full report: $49

We pull comparable listings near you, adjust them for mileage and equipment, and estimate a market value range to set against the offer. Every number is shown so an adjuster can follow it.

3
You send the letter

Download a PDF with the flagged issues, what to ask for, and a first-person letter ready to edit, sign and send. We never contact your insurer.

What's in the full report

Written so an adjuster can follow every number.

  • Vehicle summary decoded from your VIN (NHTSA vPIC)
  • Comparable vehicles near you, each adjusted for mileage and equipment
  • Estimated fair market value range vs. the offer
  • Line-by-line checklist of the insurer's report
  • A ready-to-send pushback letter in your words
  • Next steps, including how appraisal clauses and state complaints usually work

Download the sample report (PDF, EXAMPLE data)

Common issues we check

Wrong trim Valuing your car as a lower trim or different powertrain.

Missing options Packages left off the equipment list never get credited.

Condition deductions Below-average ratings without documentation.

Negotiation cuts "Projected sold" or "typical negotiation" deductions applied to every comparable.

Distant comps Comparables far outside your local market.

Tax & fees Sales tax and title fees left out where your state or policy includes them.

Read the guide to valuation report errors →

Simple pricing

No subscription. No percentage of your settlement.

Free error check
$0
  • Reads your insurer's valuation report
  • Flags common errors
  • Rough estimate of dollars at stake (labelled as an estimate)
Full report + letter
$49
  • Everything in the free check
  • Local comparable listings with adjustments
  • Estimated market value range vs. offer
  • Ready-to-send pushback letter (PDF)
  • Free re-run if you correct details within 7 days

Pricing details and what's not included →

Free guides

Plain-English, sourced to state regulators and regulations.

Join the waitlist

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Claim deadline coming up? Don't wait for us. Our step-by-step dispute guide is free.

Quick answers

Is this an appraisal?

No. It's a do-it-yourself informational report. If you invoke your policy's appraisal clause, you typically hire your own appraiser. Our report can help you decide whether that's worth it.

Do you contact my insurer or negotiate for me?

No. You send the letter yourself. We are not a public adjuster or law firm.

Where does the data come from?

Vehicle details come from the NHTSA vPIC VIN decoder. Comparable listings will come from a licensed listings data provider. Our sample report uses EXAMPLE listings.

All FAQs →