When your insurer's number is lower than your loss
Run the claim yourself with a step-by-step guide, or let us match you with a specialist who runs it for you.
What this usually looks like
A repaired car is worth less than one that was never hit, and that gap is real money you lose the day you try to sell. It is called diminished value, and whether an insurer pays it depends heavily on the policy, the state, and whether anyone pushes.
Total loss valuations have the same shape. The figure an insurer arrives at comes from a valuation report, and those reports rest on comparable vehicles, condition adjustments, and mileage assumptions that are frequently wrong in the insurer's favor.
Neither of these is a fight about whether you were owed something. It is a disagreement about an amount, and most policies contain a mechanism built specifically for resolving that.
Your car was repaired and you were paid nothing for the loss in value
The repair was covered, but the car now carries an accident history that follows it to every future sale.
The total loss offer does not match what the car was worth
The comparables in the valuation report are older, higher-mileage, or in worse condition than the car you actually owned.
The adjuster's condition rating was wrong
A well-kept vehicle graded as average, or recent work like new tires and a replaced transmission left out of the number entirely.
How it works from here
Read the process for vehicle claims for the whole shape of it, or what financial redress means if this is the first you have heard of any of it.
Finding out where you stand costs nothing. There is an engagement cost when we take an advocacy file on, and that is the whole of it.
Why bring vehicle claims to an advocate?
Pursuing a dispute properly is a second job, and the business is counting on you not having the time for it.
You tell it once
You give us the story and the paperwork a single time. We do the repeating.
A straight answer
Where you actually stand, including when we do not think it is worth pursuing.
Our side is your side
You are who pays us. Not the business, an industry body or an insurer.
A lawyer when it needs one
If your situation needs an attorney we say so and hand off, and we take no referral fee either way.
Choose how to run your claim
See how we can help, from $49 to run it yourself, or tell us what happened and we'll match you with a specialist for free.