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Auto Insurance Claim Tool

A statute-cited demand letter for the auto claim they're underpaying

The kind of letter a lawyer would send, citing the exact rule the insurer is bending. Flat $29–$49. No percentage cut, no subscription, no attorney on retainer. You keep 100% of what you recover.

Build My Auto Claim See How It Works

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If this doesn't help you recover more from your auto claim, you get your money back.

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7 claim types covered

Diminished value, total loss, rental, UM/UIM, medpay, lost wages, personal property.

All 50 states + DC

State-specific UM/UIM thresholds, total-loss formulas, and rental caps cited in the letter.

The Problem

Insurance companies have a formula,
and it isn't built to help you.

The "17c formula" for diminished value, the $30/day rental cap, the lowball ACV on a total loss: these are levers designed to keep your payout small.

Without Claim Maximizer

You accept the first offer and leave $2,000 to $8,000 on the table.

Accept the first offer because it's all they told you you'd get
Spend hours on hold with the adjuster, getting nowhere
Don't know you can dispute total loss ACV or rental caps
Leave $2,000 to $8,000 on the table
Have no idea how to escalate to your state DOI or to small claims

With Claim Maximizer

You send a statute-cited demand letter for $29 to $49, and keep every dollar you recover.

Send a professional demand letter backed by data and your rights
Know your realistic claim range, not just the 17c lowball number
Auto-generated follow-up emails, counter-offer letters, and DOI complaint
Documented claims consistently settle higher than undocumented ones
Full escalation path: DOI complaint, small claims, unfair practices notice

How It Works

From raw facts to a complete
claim package, in four steps

Answer a handful of questions about your situation. Out comes a personalized claim package that's ready to send.

STEP 01

Choose Your Claim Type

Pick from 7 claim types: diminished value, rental dispute, total loss, uninsured motorist, medical payments, lost wages, or personal property.

STEP 02

Enter Your Vehicle & Accident Info

Year, make, model, mileage, pre-accident value, accident date, state, fault determination, and insurance details.

STEP 03

Answer Claim-Specific Questions

Damage severity for DV claims, rental dates for reimbursement, ACV comparables for total loss, or medical bills for MedPay.

STEP 04

Get Your Full Claim Package

Demand letter, evidence checklist, negotiation playbook, and the full 5-document escalation toolkit, all personalized to your claim.

Pricing

Choose Your Plan

Recover even $300 more than the insurer's first offer and you've already made the money back many times over.

6-Month Access

Starter

_$29

One-time payment · Single claim type · 6 months access

1 claim type of your choice
Personalized demand letter
5-document escalation toolkit
Evidence checklist
State-specific DOI info + statute of limitations
Small claims court guidance
Negotiation playbook
AI-enhanced demand letter
PDF export & email delivery

Start Starter Plan

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Seven types of auto claims, all covered

Most claim tools only handle one scenario. This one runs from a fender-bender all the way to a total loss.

Auto claims fall into two buckets: third-party claims (filed against the other driver's insurer) and first-party claims (filed against your own). The tool asks who was at fault and adjusts the package accordingly, because the rules, leverage, and documents are different for each.

Diminished Value

Third-party claim
Even after perfect repairs, your car is worth less. We estimate your real DV range (not just the 17c lowball) and generate the demand. For claims over $5K or anything heading to court, get a professional appraisal too.

Rental Car Reimbursement

Third-party claim
Push back on insurer caps on daily rate and rental duration. Calculate your actual gap and demand full reimbursement.

Total Loss / ACV Dispute

Either party
They say your car was worth $18K. KBB and comparable listings say $23K. The tool documents the gap and builds the dispute.

Uninsured / Underinsured Motorist

First-party claim
The at-fault driver had no coverage, or not nearly enough. File a UM/UIM claim against your own insurer for the gap.

Medical Payments (MedPay)

First-party claim
No-fault medical coverage on your own policy. Insurers sometimes deny it without a real reason. Dispute it with documentation and a demand letter.

Lost Wages

Either party
Missed work because of injuries? Calculate and document the full income loss with an employer-ready demand package.

Personal Property in Vehicle

Third-party claim
Laptop, child's car seat, gear in the trunk: itemize what was in the vehicle and generate a demand for full replacement cost.

Escalation Toolkit

If they still won't budge,
you're not done yet.

Every claim package ships with a 5-document escalation toolkit, personalized to your state, your insurer, and your claim amount.

Follow-Up Email

For when the adjuster goes quiet. References your original demand and sets a clear response deadline.

Counter-Offer Dispute Letter

For when they come back too low. Disputes their offer, references your documentation, and lays out the counter-demand.

State DOI Complaint

Draft narrative for your state's Department of Insurance complaint. Includes the correct agency name, the filing URL, and your claim facts laid out the way the DOI's standard form expects them. A DOI complaint tends to get an insurer's attention fast.

Small Claims Court Notice

A firm notice of intent to file in small claims. Includes your state's small claims limit and whether your claim qualifies. Insurers often settle before the court date rather than send someone.

Unfair Practices Notice

For first-party claims (the ones against your own insurer): a formal notice citing your state's Unfair Claims Settlement Practices Act. Documents the insurer's conduct in case you decide to bring in an attorney later.

Results

What customers have said

Real outcomes from 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."

Marcus T.

2022 BMW 3 Series · Georgia

"The rental reimbursement dispute letter worked. They had capped me at $30/day for 10 days. I used the tool, showed the actual rental costs, and got an extra $980."

Sarah L.

2021 Honda Pilot · Texas

"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."

David R.

2020 Toyota Tacoma · Washington

* Testimonials are illustrative examples of typical outcomes. Individual results will vary based on circumstances, state, and insurer.

What you actually get

A letter the adjuster has to take seriously

Every auto claim package includes a personalized demand letter, an evidence checklist, a deadline calendar, and the escalation path. Here's a total-loss ACV dispute letter as an example.

Sample output

2214 Maple Avenue
Tacoma, WA 98403
April 22, 2026

Continental Auto Insurance
Claims Department, attn. J. Patel
[Adjuster Address]

Re: Total Loss ACV Dispute, Claim No. 26-7142-TL

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'm 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

What to attach (total loss ACV)

Police / accident report
Title & registration copy
3× comparable NADA listings (Exhibit A)
Service records, prior valuation
Photos: VIN, odometer, interior
Sales tax and title-transfer receipts

Escalation path

If the first letter doesn't land

Day 15Counter-offer dispute letter
Day 30DOI complaint (WA OIC)
Day 45Small-claims notice of intent
Day 60IFCA 20-day pre-suit demand (RCW 48.30.015)

Names, addresses, and claim numbers are illustrative. Your letter uses your actual case details and the governing statutes for your state.

Demand letter Evidence checklist Deadline calendar Escalation path

FAQ

Common Questions

After an accident, your vehicle carries a permanent accident history on Carfax and AutoCheck. Even after perfect repairs, buyers will pay less for it. Typically 10–25% less than a comparable car with a clean history. Most states require insurers to compensate you for that loss. The catch is that they tend to lean on the "17c formula" (a methodology State Farm originally designed to keep payouts down), which caps diminished value at 10% of vehicle value and stacks heavy mileage penalties on top. Real-world market data usually shows a much larger loss than 17c will admit to.

No. Claim Maximizer is built for self-representation. It gives you the same documented, statute-cited approach that adjusters actually respond to, without the attorney fee. That said, if the claim is over $10,000, if there are injuries involved, or if your own insurer is acting in bad faith (unreasonable delays, denying valid claims without explanation), it's worth talking to a lawyer. Most personal injury attorneys offer free consultations. For first-party claims, the escalation toolkit includes an unfair practices notice to document the insurer's conduct in case you do.

After purchase, you get an access code by email. Enter it on the site to unlock the claim package. Starter gives you 6 months of access, Pro gives you 12. During that window you can come back any time, update your info, regenerate letters, or print documents. Once the window closes, you'll need a new purchase if you want continued access or are filing a new claim.

Some claims still apply, even if you were at fault. First-party diminished value claims are available in 11 states (GA, KS, NC, VA, LA, MD, NH, OR, PA, SC, WA). MedPay, lost wages (if covered under your own policy), and personal property claims may still apply too. The tool detects your state and tells you which paths are open based on your situation.

Yes, in most cases. Adjusters deal with professional demand letters all the time and respond to them. A documented letter with supporting evidence and a clear claim amount signals that you know your rights and are willing to escalate, and that changes the negotiation. Most claims settle through the letter-and-negotiation phase without ever reaching court or the DOI. The escalation toolkit is for the cases that need more pressure.

No. Claim Maximizer provides informational tools and document templates only. It isn't a law firm and doesn't give legal advice. Insurance laws vary by state, and individual circumstances differ. For complicated claims, disputes involving large amounts, or situations where your own insurer is acting in bad faith, talk to a licensed attorney in your state. Bad faith is a legal doctrine that applies to first-party claims (between you and your own insurer), and pursuing a bad-faith claim needs actual legal representation.

All 50 states plus the District of Columbia. The tool comes with state-specific statute of limitations, first-party DV eligibility, small claims court limits, and the correct Department of Insurance for each state, all pre-loaded.

Know the Line

When you should talk to a lawyer

Claim Maximizer is built for property-damage claims you can handle yourself. Some situations need actual legal help, and we'll tell you that upfront rather than pretending otherwise.

You can probably handle this yourself

Property-damage-only claims (no injuries)
Clear liability (the other driver was at fault)
Claim amounts under $10K
Diminished value, rental disputes, total loss ACV disputes
Small claims court filings ($30–$75 to file, no lawyer required)

Talk to a lawyer first

Significant injuries (surgery, ongoing treatment, permanent impairment)
Liability is disputed or shared fault
Claim value over $25K
Your own insurer is acting in bad faith (first-party claims)
You're being pressured to sign a release or accept a quick settlement

Most personal injury attorneys offer free consultations. If injuries are in the picture, there's no cost to getting a professional opinion first. For property-damage claims under $10K, small claims court is often more effective than hiring counsel anyway. Insurers tend to settle rather than send a lawyer to court over that amount.

Free Resource

5 Things Your Insurance Company
Hopes You Don't Know

Free checklist, delivered to your inbox. Same insights our users lean on when they push back on a lowball offer.

No spam. Unsubscribe anytime. We respect your inbox.

Your claim, your money.
Don't leave it behind.

Documented claims with statute-cited demand letters tend to settle higher than uncontested first offers. The work starts with knowing what you're actually owed.

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