Lawyer-style demand letters that cite the exact statute they violated. $29–$49 flat — no percentage, no subscription, no lawyers. Keep 100% of what you recover.
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The Problem
The "17c formula" for diminished value, the $30/day rental cap, the lowball ACV total loss offer — these are tools designed to minimize what you receive.
Without Claim Maximizer
You accept the first offer and leave $2,000–$8,000 on the table.
With Claim Maximizer
You send a statute-cited demand letter for $29–$49 and keep every dollar you recover.
How It Works
Answer a few questions about your situation. Get a full, personalized claim package ready to send.
STEP 01
Select from 7 claim types — diminished value, rental dispute, total loss, uninsured motorist, medical payments, lost wages, or personal property.
STEP 02
Year, make, model, mileage, pre-accident value, accident date, state, fault determination, and insurance details.
STEP 03
Damage severity for DV claims, rental dates for reimbursement, ACV comparables for total loss, or medical bills for MedPay.
STEP 04
Demand letter, evidence checklist, negotiation playbook, and the complete 5-document escalation toolkit — all personalized to your claim.
Pricing
If you recover even $300 more than the insurer's first offer, you've made your money back many times over.
Starter
One-time payment · Single claim type · 6 months access
60-day money-back guarantee · Secure Stripe checkout
Pro
One-time payment · All 7 claim types · 12 months access
60-day money-back guarantee · Access code sent by email
Professional appraisals only cover diminished value. Attorneys take 33% of your settlement. Claim Maximizer covers all 7 claim types and puts the complete package in your hands in minutes.
Coverage
Most claim tools only cover one scenario. Claim Maximizer handles everything from a fender-bender to a total loss.
Insurance claims fall into two categories: third-party claims (filed against the other driver's insurer) and first-party claims (filed against your own insurer). The tool asks who was at fault and adjusts your claim package accordingly — different rules, different leverage, different documents.
Third-party claim
Your car is worth less even after repairs. We estimate your real DV range (not just the 17c lowball) and generate your demand. For claims over $5K or court, we recommend a professional appraisal.
Third-party claim
Fight insurer caps on daily rates and rental duration. Calculate your actual gap and demand full reimbursement.
Either party
They say your car is worth $18K. KBB and comparable listings say $23K. We help you document and dispute the difference.
First-party claim
The at-fault driver had no coverage (or not enough). File a UM/UIM claim against your own insurer for the gap.
First-party claim
No-fault first-party medical coverage that insurers sometimes wrongfully deny. Dispute it with documentation and a demand letter.
Either party
Missed work due to injuries? Calculate and document your full income loss with an employer-ready demand package.
Third-party claim
Laptop, child's car seat, equipment — itemize your property and generate a demand for full replacement cost.
Escalation Toolkit
Every claim package includes a 5-document escalation toolkit — automatically personalized to your state, insurer, and claim amount.
Professionally worded follow-up when the adjuster goes silent. References your original demand and sets a response deadline.
When they come back too low. Professionally disputes their offer, references your documentation, and makes a counter-demand.
Draft narrative for your state's Department of Insurance complaint. Includes the correct agency name, filing URL, and your claim facts organized for the DOI's standard complaint form. Filing a DOI complaint often prompts quick insurer movement.
A firm notice of intent to file in small claims. Includes your state's small claims limit and whether your claim qualifies. Insurers frequently settle before court dates.
For first-party claims (against your own insurer), a formal notice citing your state's Unfair Claims Settlement Practices Act. Documents insurer conduct for potential escalation with an attorney.
Results
Real outcomes from real people who stopped accepting the first offer.
"State Farm offered me $1,100 for diminished value. I used Claim Maximizer, sent the demand letter, and settled for $4,200. The Pro plan paid for itself 30x over."
"The rental reimbursement dispute letter worked. They capped me at $30/day for 10 days — I used the tool, showed actual rental costs, and got an extra $980."
"My total loss ACV offer was $4,500 below what comparable vehicles were selling for. The dispute letter and comparable listings got me an extra $3,800."
* Testimonials are illustrative examples of typical outcomes. Individual results will vary based on circumstances, state, and insurer.
What you actually get
Every auto claim package delivers a personalized demand letter, evidence checklist, deadline calendar, and escalation path. Here's a total-loss ACV dispute letter.
Dear Ms. Patel,
Pursuant to Washington's total-loss valuation standards at WAC 284-30-391 and the unfair-claim-settlement-practices rule at WAC 284-30-330, I am formally disputing Continental Auto's actual-cash-value offer of $14,200 for my 2021 Honda CR-V, total-lossed in the collision of March 14, 2026.
The market-supported ACV, the revised-offer demand, and the enforcement escalation are set out below…
Evidence checklist
Escalation path
Names, addresses, and claim numbers are illustrative. Your letter uses your actual case details and the governing statutes for your state.
FAQ
Know the Line
Claim Maximizer is built for property damage claims you can handle yourself. But some situations need legal help — and we'll tell you that upfront.
Most personal injury attorneys offer free consultations. If injuries are involved, there's no cost to getting a professional opinion. For property-damage claims under $10K, small claims court is often more effective than hiring counsel — insurers frequently settle rather than send representation.
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Documented claims with professional demand letters consistently settle higher than uncontested first offers. It starts with knowing your rights.
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Resources
How to calculate and file a DV claim after an accident.
How to Fight an Insurance Lowball OfferTactics to push back when the insurer undervalues your claim.
Insurance Demand Letter TemplateWhat to include and how to structure a demand letter that gets results.
The 17c Formula ExplainedHow insurers use this formula to minimize your diminished value payout.
How to Dispute a Total Loss OfferChallenge an unfair ACV valuation with comparable market data.
Rental Car Reimbursement Dispute GuideHow to recover rental costs your insurer won't cover.
More Claim Maximizer Tools
If you're a tenant, patient, or Washington homeowner, we've got you covered too. Same playbook: a statute-cited letter, a flat fee, you keep 100% of what you recover.