Free check · No account · Not an insurer
See exactly where your insurance offer comes up short.
Enter the numbers from the valuation report your insurer sent. We check every deduction, comparable car, tax and fee against your state's rules and show you the gap in dollars.
Estimated gap
$3,877–$6,386
- Sales tax not included$1,763–$2,128
- Projected sold adjustment$917–$1,528
- Condition deduction$406–$812
- checks per report
- 44checks per report
- state rule sets
- 51state rule sets
- flat kit, not on sale yet
- $49flat kit, not on sale yet
- to see your gap
- 5 minto see your gap
Start with your situation
Two checks, both free.
My car was totaledCheck my total-loss offer
Enter the numbers from your CCC, Mitchell or Audatex report. We flag every deduction that is costing you.
Start the free check
My car was repairedEstimate my diminished value
The value your car lost because it now has an accident history, next to the 17c number the insurer will likely offer.
Calculate it free
How it works
From the adjuster's number to your counter-offer in one sitting.
1Numbers enteredEnter
Type in the figures from your valuation report: the value, each comparable and every adjustment.
2Every figure confirmedConfirm
We show every figure we read. You fix anything that is wrong.
3Gap found, with sourcesSee the gap
Each problem is listed with its dollar impact and your state rule. Free.
4Letter ready to sendSend your letter
The kit will write a rebuttal letter from your own report, ready to edit and send. It is not on sale yet.
What a check finds
The deductions most owners never see.
Valuation reports are long and dense. The money is usually in a few lines: a blanket negotiation deduction on every comparable, a condition rating nobody photographed, comparables from another city, or sales tax your state says you are owed.
Estimated gap
$3,877–$6,386
- Sales tax not included$1,763–$2,128
- Projected sold adjustment$917–$1,528
- Condition deduction$406–$812
- Title and registration fees not included$50–$400
- Comparables from an older model year$179–$359
On a $23,818 offer. Every name and number in this sample is made up.
Built to be checked.
Every number traces back to your report, a tested rule or a cited source. Nothing is a guess dressed up as a fact.
44 checks
on every valuation report, from negotiation deductions to settlement math.¹
50 states + DC
with the rule and its source cited.²
$49 flat
for a full kit, not on sale yet. The check itself is free.
0%
of your settlement. We never take a share of what you recover.
Not stored
Your numbers are checked, not kept. Results stay in your browser.
30-day refund
If the kit does not help, email us for a full refund.
Your options
Not a $10 formula. Not a $500 appraisal you may not need.
| Compare | Accept the offer | Fairmark | Independent appraiser | Attorney |
|---|---|---|---|---|
| Cost | $0 | Free check, $49 kit | Often about $250–$500, quoted in writing | Often a share of the recovery |
| Checks your insurer’s report | — | Every line you enter, in minutes | Yes | Yes |
| Cites your state rules | — | Yes, with sources | Sometimes | Yes |
| Who contacts the insurer | — | You do, with our letter | Appraiser (appraisal clause) | Attorney |
| Best for | Fair offers | Most disputes under a few thousand dollars | Large gaps, appraisal clause | Injuries, bad faith, large losses |
Is a total-loss offer negotiable?
Yes. A total-loss offer is the insurer’s opinion of your car’s value, not a final decision. You can ask the insurer to explain and correct the valuation, send your own evidence, and on your own policy you can usually invoke the appraisal clause. Until you sign a release or cash a settlement check marked final, the value is still open.
What is a valuation report?
Most insurers price a totaled car with software from CCC, Mitchell, Audatex or J.D. Power. The report lists the comparable cars used, every adjustment and deduction, and the settlement math. Ask your adjuster for the complete report; it is the document we check.
What is diminished value?
It is the loss in resale value a car suffers after an accident, even when it is repaired well, because the accident now shows on its history. When another driver caused the accident, their insurer generally owes you that loss. Claims on your own policy usually do not cover it.
How much is diminished value worth?
There is no official percentage. The 17c formula many insurers start from caps it at 10% of the car’s pre-accident value, then cuts that for damage and mileage. Our screening model estimates about 1–4% of pre-accident value for cosmetic damage, 3–8% minor, 6–13% moderate, 10–19% major and 15–27% severe, before adjusting for the car’s age, mileage and type. These are screening ranges, not appraisals. An independent appraisal or written dealer offers are the stronger evidence for a claim.
Are you a lawyer or a public adjuster?
No. Fairmark is self-help software. We check the numbers and prepare documents you review, edit and send yourself. We never contact your insurer, we do not give legal advice, and we do not take a percentage of your settlement.
What happens to the numbers I enter?
They are sent to our server only to run the check and are not stored there. Your results and kits are saved in your own browser. You never need to share your policy number or VIN.
What if the kit does not help?
Email us within 30 days of purchase and we refund you in full. No questions asked.
State rules
Rules in your state.
All 50 states and DC, each with the statute, regulation or Department of Insurance source behind the rule.
Before you sign anything, check the numbers.
Free check. About five minutes. We do not store your report.
Check my offer¹ The checks are listed in our methodology. Not every check applies to every report. ² State rules are compiled from statutes, regulations and Department of Insurance publications, last reviewed 2026-11-04. Some rules could not be fully confirmed and are marked as such. Rules change; confirm with your state Department of Insurance.