Paste your car, your ZIP and the offer. We reply by email, free, within one business day, with how far the report's comparable cars were sourced from and how many are the wrong trim. If you want to push back, we prepare a rebuttal packet you send yourself, within 24 hours of your upload.
Free comp check$29 rebuttal packet$99 with appraisal-clause explainer + re-run$149 diminished value
An insurer that declares a car a total loss sends a valuation report, usually from CCC, Mitchell or Audatex, and an offer built on it. From that point there are a few days, typically between three and ten, before the release is signed and the number is final. Those days are the only time the report can be questioned, and the people in the r/Insurance threads who questioned it successfully all did the same thing: they read the report closely, found where it was wrong about their car, pulled real listings, and sent a structured rebuttal.
This packet is for the person holding that report now. The valuation reports are automated, and the posters who challenged them describe the same errors repeatedly: comparable cars of the wrong trim, comparables sourced from farther away than the state's rule allows, mileage and options that do not match, and condition adjustments that were never explained. If your report has those errors, the packet shows them. If it does not, the free check will tell you so.
The packet never states what your car is worth. It shows what matching cars are listed for and where the report departs from your state's rule, and the number is between you and the insurer.
| Tier | Price | What you get | Refund if |
|---|---|---|---|
| Free comp check | $0 | You paste your car, ZIP and the offer. We reply by email with how far the report's comparables were sourced from and how many are the wrong trim, once you send us the valuation report. | Free. Nothing to refund. |
| Rebuttal packet | $29 | The report audit, at least three matching listings with distances, and the rebuttal letter in your name. Delivered within 24 hours. | The packet does not contain at least three listings of the same year, make, model and trim as your car. |
| Rebuttal packet with the appraisal-clause explainer and a second-offer re-run | $99 | Everything in the $29 packet, plus your policy's exact appraisal-clause language with what invoking it costs, plus a re-run of the audit and listings after the insurer's second offer. | The packet does not contain at least three listings of the same year, make, model and trim as your car, or the second-offer re-run is not delivered within 24 hours of your upload of the second offer. |
| Diminished-value packet (repaired cars) | $149 | For a car that was repaired rather than totaled: a packet built from your repair estimate and the insurer's valuation or DV offer, with your state's rules for your claim type and a letter in your name. | The packet is not delivered within 24 hours of your upload of the repair estimate and the insurer's valuation or DV offer. |
Prices in USD. Payment opens after the free check; there is nothing to pay on this page.
In the r/Insurance threads from the last year, the paid route is an independent appraiser hired to invoke the policy's appraisal clause, at $150 to $500, and that step still comes after you have read the report and decided it is wrong. Some consultants will negotiate the total loss for a share of the increase; we do not do that, and in most states doing it for a fee requires a public-adjuster licence. The free route is building the packet yourself from subreddit advice, which is exactly what the successful posters did, over days, while the release deadline ran.
Nobody in those thirteen threads named a flat-fee product that simply prepares the document. That is what $29 buys: the same audit and listings a careful owner assembles by hand, in your name, inside 24 hours, with the appraisal-clause language and a second-offer re-run at $99 if you want to go further. The comparable listings come from a licensed feed, which is most of the cost of each packet.
"I pushed back on the CCC total-loss valuation and it ended up being worth it. I created a PDF dispute packet with local comps, package/options details, guidebook data, and specific issues I found in the valuation report. After review, the offer increased by about $4000+"r/Insurance, 31 May 2026 (reddit.com/r/Insurance/comments/1tsplsf/). One poster's account, quoted as evidence of what people build, not as a promise of what you will get.
Adjusters who answer in r/Insurance say most first offers are in range, and we take that seriously. The free check exists so you can find out before paying anything: if the comparables are the right trim and inside your state's sourcing distance, we will say so, and the packet is probably not worth $29 to you.
Most auto policies contain a clause under which you and the insurer each hire an independent appraiser, and the two of them (with an umpire if they disagree) set the value. Invoking it costs you your appraiser's fee, which the threads put at $150 to $500. The $99 tier quotes your policy's exact clause and what invoking it costs so you can decide. We do not tell you whether to invoke it, and we are not the appraiser.
It can. Some states set a sourcing distance in their total-loss regulation (one poster's report had a "vehicle being sourced further than NYS Insurance allows"), and the audit checks every comparable against your state's rule and says where each one came from. Where your state sets no distance, the audit still lists the distances so the adjuster can see them.
That is a diminished-value claim, and whether it is available depends on your state and on whether you are claiming against your own insurer or the other driver's. The $149 packet states your state's rule for your claim type, builds the packet from your repair estimate and the insurer's figures, and gives you a letter in your name. One poster was offered $1,208 for diminished value on a 2024 Tucson Hybrid with structural damage; what your insurer offers is its decision.
We cannot answer that for you, and we will not pretend to. What we can do is show you, in writing, whether the report matches your car and your state's rule, so the decision is made with the document in front of you instead of a feeling.