The adjuster's first offer is a starting point, not a verdict

No. Claims Maximizer generates document templates and educational guidance based on the law. It's not a law firm and doesn't replace a licensed attorney. For large damages, contested liability, or serious injury, consult one.

All 50 states. The letter pulls the claim-settlement regulation and good-faith standard that applies where your policy was issued.

Public adjusters take 15 to 40 percent of what you recover. A well-drafted demand letter is a template plus the research that goes into it, not an ongoing service. So we charge for that once. You keep the rest.

A demand letter personalized with your facts, an evidence checklist, your state's filing deadline, and a 4 to 5 document escalation toolkit. After checkout you get an access code by email within minutes. Enter it in the tool to unlock everything, then print to PDF or copy the text. Nothing is attached to the email. Your access never expires: come back whenever you want to update details, regenerate a letter, or reprint the documents.

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.

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.

Yes. Email hello@claimsmaximizer.com (or reply to your purchase email) within 60 days of purchase and we'll refund you. No forms and no support maze.