Questions, answered plainly
Eligibility, the estimate, and likely outcomes — including the things we will not promise.
Eligibility
Can I file a diminished value claim after my car has already been repaired?
Yes. The remaining loss is about accident history on the vehicle, not unfinished bodywork. The free estimate still works after repairs are complete.
Can I claim diminished value if I was not at fault?
Third-party claims are the usual path: you present the remaining market loss to the responsible driver's insurer. The calculator asks who was responsible so we can be honest about eligibility.
What if I was partially at fault?
Shared fault can reduce or complicate recovery depending on the state. The calculator still produces an educational estimate and will not sell a package when we should not.
Can I claim diminished value against my own insurer?
First-party diminished value is limited or unavailable in many states. We do not invent coverage. If your answers point to your own policy, the result page explains that instead of selling you a package.
What if my vehicle is leased or financed?
Financed vehicles can still have a remaining market loss. Leased vehicles are often a poor fit for this product. The calculator asks how you hold the vehicle.
How long after an accident can I file?
Deadlines vary by state and by the nature of the claim. Confirm any deadline that applies. We publish a time-limit date only when our state file has a verified figure.
The estimate
Is this a licensed appraisal?
No. It is a free software estimate generated from the facts you provide. It is not a licensed or certified appraisal, and we do not inspect the vehicle.
What does it cost?
Nothing. The estimate is free: no account and no card.
Is the estimate specific to my vehicle?
Yes. It is built from your vehicle, accident, and repair answers. The methodology page shows how each one moves the number.
Do you contact my insurer or negotiate for me?
No. You make the claim and send everything yourself. We do not represent you.
What happens after you submit
Will the insurer pay the amount in my estimate?
No. There is no guarantee. Insurers may dispute, reduce, or deny claims. The estimate is a number to start from; it does not require anyone to pay it.
Why might the insurer's number be lower than mine?
Some claims use formula-based approaches that can produce a lower figure than market-evidence methods. That is not a statement that any insurer acted in bad faith.
When is a professional inspection the better tool?
High-value, exotic, structural, or already-disputed claims may need a licensed professional appraisal. A signed appraisal carries weight a software estimate does not.
Start with your number.
The estimate is free. No account, no payment.
About 2 minutes · No account · No credit card
This is an estimate, not an appraisal or a promise of payment. It's based on the information you entered and general market data. Insurers may dispute or deny claims. Read the full disclaimer.