Was your car totaled or repaired?
We calculate your estimate differently depending on what happened.
Your insurer's report. Your evidence. Your money.
After an accident, carriers use their own tools to minimize what they owe you. We read those numbers and show you what a fair recovery could look like.
We use your document only to calculate your estimate. We do not share or sell your information.
What does the report look like?
Your insurer's valuation report is usually a PDF titled something like "Total Loss Valuation" or "Vehicle Valuation Report" from CCC or Mitchell. It's in your settlement packet, or you can request it from your adjuster.
Diminished value is the gap between what your car was worth before the accident and after, even once repairs are done. You can seek it from an at-fault driver's insurer as part of a liability claim. This is a recognized claim type, not a loophole. We are not your attorney and this is not legal advice.
See what your car is really worth.
We review your insurer's total-loss or diminished-value offer — and fight back when it falls short.
- 100% free
- See if your claim is worth fighting
- We email your potential offer
- Reports signed by an ASCAA-certified appraiser
- Works with any insurer
- No account needed
See a sample appraisal report — PDF, 51 pages
How it works
Send us the paperwork
Upload your repair estimate or enter your vehicle details. The estimate is the document your valuation is built from.
We build the valuation
Your vehicle is priced against comparable sales and the damage recorded on the estimate, not against the insurer's worksheet.
You get the number
See what the documentation supports. If you want it signed, the full appraisal is prepared by an ASCAA-certified appraiser.
A real case — documents on file
The insurer said $17,262. The paperwork said $29,155.
Our founder's own family Tesla was totaled in December 2025. The insurer's first valuation: $17,262. Instead of signing, he pulled real comparable sales, answered the valuation line by line, and sent a documented demand package. In February 2026 the insurer's own settlement letter agreed the car was worth $29,155 — $11,893 more, won entirely on paperwork. That fight is exactly what this tool does with your report.
Frequently asked questions
Questions about your settlement, the paperwork, or what this costs.
What is diminished value?
Diminished value is the reduction in your car's market worth after it has been in an accident and repaired. Even a car repaired to factory standards typically sells for less than a comparable vehicle with a clean history — that difference is your diminished value.
Can I dispute my total-loss settlement offer?
Yes. Most auto insurance policies include an appraisal clause that gives you the right to request an independent appraisal if you disagree with the insurer's valuation. The process varies by policy and state, but the right is commonly available and worth exercising before you sign any release.
How long do I have to challenge an offer?
Time limits vary by state law and by the specific terms of your policy. As a general rule, do not sign a settlement release until you have reviewed the offer — signing typically ends your ability to dispute the amount.
Do you guarantee a specific recovery amount?
No. We provide an honest, evidence-based review of your claim. Whether that leads to an increased settlement depends on the specifics of your vehicle, your market, and how your insurer responds.
What if my car had pre-existing damage?
Pre-existing damage can affect your vehicle's condition rating and therefore its valuation. An honest appraisal accounts for pre-existing damage separately from the accident-related loss — it is not a reason to dismiss the entire claim.
See what your paperwork supports
Send the repair estimate and get your number. No account needed to see it.