Resource hub
Understand your claim before you accept it.
Plain-language guides to total loss settlements, actual cash value, insurer valuation reports and diminished value — written by the people who review these claims every day.
No upfront fees. No fee unless we recover more for you.
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Four ways into the library.
Pick the section that matches where you are in your claim.
Total loss & valuation guides
How insurers decide what a totaled vehicle was worth — and how to check their math.
ExploreDiminished value guides
Why a repaired vehicle can still be worth less, and how that loss is measured.
ExploreState claim guides
State-by-state context for total loss and diminished value claims.
ExploreCase studies
Real claims: the first offer, the evidence and the outcome.
ExploreTotal loss & valuation
How insurers decide what your vehicle was worth.
Total loss
Insurance Offer Too Low?
A line-by-line checklist for reviewing a total loss offer before you sign anything.
Read the guideValuation basics
What Is Actual Cash Value?
The number your total loss settlement is built on — and the factors that move it up or down.
Read the guideValuation reports
How to Read a CCC Report
A neutral walkthrough of each section of a CCC report and what to double-check in it.
Read the guidePolicy language
What Is an Appraisal Clause?
Some policies include a process for resolving disagreements about the amount of loss. Here is the general idea.
Read the guideDiminished value
Why a repaired vehicle is often worth less.
Diminished value
What Is a Diminished Value Claim?
Why a properly repaired vehicle can still be worth less — and what determines whether a claim exists.
Read the guideDiminished value
How Diminished Value Is Calculated
Before-and-after market value, the evidence behind it, and why generic formulas fall short.
Read the guideAnswers
Frequently asked questions.
Categorised answers on total loss, valuation reports, diminished value and working with us.
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