WHO IS THIS FOR, AND WHICH STATES DO YOU SERVE?
Drivers in all 50 states and Washington, D.C., after a declared total loss and before accepting an offer. We provide vehicle-value research and educational materials. You control your claim. Tell us about any accepted offer, release or deadline before purchasing.

WHAT DO I GET FOR $50?
Brief written findings: the vehicle details and valuation evidence reviewed, supported concerns or a finding that the offer appears reasonable, and a recommendation on whether the upgrade is worthwhile. We perform the underlying research at this stage. The $50 purchase does not include delivery of the full evidence packet or editable response.

WHAT DOES THE $200 UPGRADE INCLUDE?
The prepared PDF evidence packet, comparable-vehicle table, dated sources, supported factual corrections, explanations of meaningful differences and uncertainty, and an editable response you may send yourself. The upgrade is $200 additional, or $250 total including the assessment. No percentage fee or coupon.

HOW LONG DOES IT TAKE?
Assessment: within 2 business days after payment and complete required documents. Upgrade: within 1 additional business day after you choose it and pay. We confirm your actual due date. Delivery is by 5 p.m. Central Time; business days are Monday–Friday except U.S. federal holidays. New information requiring rework is discussed with you; we do not silently restart the clock. Insurer response time is separate, and buying our service does not extend claim deadlines.

WHAT DOCUMENTS DO YOU NEED?
The full valuation report, current itemized written offer, loss date, garaging ZIP, VIN, trim, mileage and equipment details. Add relevant pre-loss photos, window sticker or service records supporting a specific correction. You may redact unrelated sensitive information. No insurer login, bank login or full payment-card details are needed. After we confirm fit, use Upload Documents in the menu. Include the current written offer with your report, or attach it separately.

WHAT IF I AM STILL WAITING FOR THE REPORT?
Contact us now without paying. Ask your adjuster for the complete valuation report, comparable vehicles, adjustments and written offer. The paid assessment starts once payment and required documents are received.

WILL YOU CONTACT MY INSURER OR TELL ME WHAT TO ACCEPT?
No. We do not contact insurers, negotiate, represent you, interpret coverage, give legal advice or act as your policy appraisal-clause appraiser. You review the evidence, edit any suggested wording, decide what to send and make your own settlement decisions.

WHAT IS THE $200 UPGRADE PROMISE?
If we recommend the upgrade, you submit the relevant evidence and factual response within 14 calendar days after packet delivery, and the insurer’s written vehicle-value offer increases by less than $200, we refund the full $200 upgrade fee. The original $50 assessment is excluded. Increases paid toward a loan count. Request within 90 calendar days after packet delivery; a final refusal or 45 days after submission without a qualifying offer can trigger a refund. See Refund Policy for the complete baseline, proof and refund rules. No higher offer is guaranteed.

WHAT IF I OWE MORE THAN THE CAR IS WORTH?
Negative equity alone does not exclude you. A higher vehicle value can reduce debt instead of producing cash. GAP may affect the practical benefit, so tell us if you have it. The upgrade promise measures vehicle value, not cash received.

IS FOLLOW-UP INCLUDED?
One factual revision for an insurer response or new relevant documents received within 30 calendar days of packet delivery is included, with delivery within 3 business days after complete new information. It covers the same vehicle and loss, not ongoing negotiation. We correct our own factual or calculation errors without an extra fee.

HOW DO I START?
Use Contact. Include your state, claim stage, report status and any accepted offer or release. Keep claim numbers and insurance documents out of the general contact form. We confirm fit, needed records and the next step before payment. Then use Upload Documents to send your valuation records.