Auto Property Damage Claims
They totaled your car and lowballed the offer.
Adjusters handle 500+ auto claims a year. You handle one. See the line items they're hoping you'll miss.
2,847 policyholders have fought back with ClaimCoach
The Playbook
How adjusters calculate your offer.
Understanding their tactics is the first step to fighting back.
They cherry-pick comparable vehicles
Your 2022 Civic EX with 28K miles gets compared to 2020 LX models with 80,000 miles. Lower trim, higher mileage, lower value.
They exclude legitimate line items
Sales tax on replacement ($476), rental reimbursement ($720), diminished value ($1,800), registration fees ($185) — all left at $0 unless you ask.
They call it "fair market value"
The offer letter says "fair market value" but it’s calculated to save the insurer money, not to make you whole. They’re betting you won’t check.
Real Example
See what they're hiding.
Their Offer — 2022 Honda Civic EX
ClaimCoach Audit — 2022 Honda Civic EX
← Drag to reveal the hidden line items →
Their offer
$4,200
Fair value
$9,981
Representative Outcomes
What a typical analysis finds.
2021 Honda Accord
GEICO
Offer
$6,800
Fair value
$11,000
Missing line items found
2019 Toyota RAV4
State Farm
Offer
$12,500
Fair value
$18,900
Missing line items found
2023 Tesla Model 3
Progressive
Offer
$28,000
Fair value
$36,770
Missing line items found
Representative examples based on typical claim data and market analysis. Not actual user testimonials. Individual results depend on policy terms, vehicle condition, and state laws.
Three Steps
Upload. Analyze. Negotiate.
Upload your documents
Drop in your insurance policy and the settlement offer letter. AI reads them in seconds—no manual data entry.
Get your fairness score
AI compares the offer against KBB, NADA, and local market data. Every dollar gap is itemized with sources.
Negotiate with confidence
Get a professional counter-offer letter, adjuster call script, and escalation playbook. Ready to use.
Your Toolkit
Everything you need to fight back.
Six tools that turn every auto policyholder into a prepared negotiator.
Policy X-Ray
Reads every clause and highlights the coverages, limits, and exclusions your adjuster hopes you miss.
Fairness Gauge
A market-data-backed score from 0–100 showing exactly how much you’re being shortchanged on your auto claim.
Counter-Offer Letter
Professional demand letter with itemized damages, comparable vehicle data, and policy citations they can’t ignore.
Call Script
Word-for-word phone script with objection handlers for every tactic auto adjusters use. Never go in unprepared.
State Legal Guide
Your state’s auto insurance laws, filing deadlines, bad faith statutes, and DOI complaint process.
Escalation Playbook
Step-by-step guide from supervisor requests to DOI complaints to small claims court. They respond to pressure.
Pricing
The $79 investment.
Pro plan: $49/mo billed quarterly for unlimited claims.
Outcomes
The data doesn't lie.
$3K–5K
Average underpayment on auto property damage claims
NAIC Consumer Complaint Data
2–3x
Higher settlements with documented counter-offers
J.D. Power Claims Study
85%
Of first offers can be negotiated higher with evidence
United Policyholders (nonprofit)
44x
Return on ClaimCoach’s $79 fee
$79 vs $3,500 avg. recovery
* Sources: NAIC Annual Report on Consumer Complaints; J.D. Power 2024 Auto Claims Satisfaction Study; United Policyholders, a 501(c)(3) consumer advocacy nonprofit.
Questions
Frequently asked.
Is this legal?+
Absolutely. You have the legal right to negotiate your insurance settlement, request documentation of your adjuster’s valuation methodology, and submit a counter-offer with supporting evidence. ClaimCoach simply helps you exercise those rights more effectively.
Is my data safe?+
Yes. Your policy documents and offer letters are encrypted in transit and at rest. We automatically delete uploaded documents after analysis is complete. We never share your personal information with insurance companies or third parties.
Do I still need a lawyer?+
Most auto property damage claims under $25,000 can be resolved without an attorney. ClaimCoach gives you the same tools and market data that professionals use. For claims involving bodily injury, bad faith, or amounts over $25,000, we recommend consulting a licensed attorney.
What about diminished value?+
If your vehicle was in an accident, it’s worth less even after repairs — that’s diminished value. Most states allow diminished value claims, and most adjusters conveniently omit it. ClaimCoach automatically flags it and calculates your entitlement.
What if I already accepted the offer?+
In many states you can still negotiate supplemental claims for items not covered in the original settlement, such as diminished value or missed coverages. Check your state’s reopening window. ClaimCoach’s state legal guide will tell you your specific options.
How fast does it work?+
Your full analysis — fairness score, line-item breakdown, counter-offer letter, and call script — is generated in under 5 minutes. Most claim disputes resolve within 2–4 weeks after submitting a documented counter-offer.
What if the $79 doesn’t work for me?+
We offer a 30-day money-back guarantee. If ClaimCoach doesn’t help you identify at least $79 in additional recovery, we’ll refund you. The average additional recovery is $3,500+, so the risk is essentially zero.
Have a home or health claim?
We're launching home and health claim analysis next. Drop your email and we'll let you know when it's ready.