We review your insurer's total-loss or diminished-value offer — and fight back when it falls short.
Was your car totaled or repaired?
We calculate your estimate differently depending on what happened.
We use your document only to calculate your estimate. We do not share or sell your information.
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.
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 a sample appraisal report — PDF, 51 pages
Upload your repair estimate or enter your vehicle details. The estimate is the document your valuation is built from.
Your vehicle is priced against comparable sales and the damage recorded on the estimate, not against the insurer's worksheet.
See what the documentation supports. If you want it signed, the full appraisal is prepared by an ASCAA-certified appraiser.
A named appraiser signs it.
Reports are prepared and signed by Zoheb Alvi, Certified Auto Appraiser, ASCAA License #ASCAA-CERT-9659. ASCAA is an independent third-party body that we do not operate, so the licence is checkable without taking our word for anything.
ASCAA License #ASCAA-CERT-9659
You can read the whole report before you pay.
The full 51-page appraisal is published — watermarked as a specimen with the vehicle identifiers removed, and otherwise the real document. Comparable sales, the damage on record, the method and the signature page are all in it.
We state what this does not do.
The free estimate is not a guarantee, an appraisal, or legal advice. It cannot predict what an insurer will ultimately pay, and it cannot account for damage absent from the documents you send. Reclaim publishes those limits rather than a confidence claim.
Questions about your settlement, the paperwork, or what this costs.
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.
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.
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.
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.
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.
Send the repair estimate and get your number. No account needed to see it.
