Claimerly helps drivers fight back against lowball total loss offers, diminished value, and denied loss of use claims — with deep expertise in California and growing nationwide coverageNot in California?
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A Claimerly advisor will reach out within 1 business day to walk you through your options. In the meantime, use our free valuation tool to see your estimated underpayment now.
Open Free Valuation Tool →Whether you're handling your claim yourself or want it done for you, Claimerly has a path.
Access our full suite of claim tools, generate your own demand letters, file CDI complaints, and get matched to a vetted independent appraiser — at no cost.
Available to members enrolled through a dealership partner. Built on a sophisticated, attorney-developed claims analysis platform reflecting extensive claims, legal, and regulatory experience — identifying applicable claims, routing to the right specialists, and managing every insurer touchpoint from intake through resolution.
Enrolled through your dealership at point of sale. Are you a dealer?
No attorneys, no complicated paperwork. We guide you from initial review to a matched specialist — in days, not months.
Complete our 2-minute intake form. No jargon, no fine print — just the basics about your vehicle and what the insurer offered.
We run your numbers against California legal standards and market data to calculate what you're actually owed under the law.
We connect you with a vetted independent appraiser matched to your claim type — total loss, diminished value, or loss of use.
An insurer can dismiss a consumer's self-calculated number with a single sentence. They cannot do the same to a professional appraisal. Here's why that difference is everything.
Independent appraisers use the same professional tools as insurers — CCC ONE, Audatex, and certified market comparables. Their reports are documented, sourced, and difficult to reject.
Most auto policies include an appraisal clause giving you the right to demand an independent appraisal. Once invoked, the result is binding on both sides — no court, no attorney, typically resolved in 2–4 weeks.
A consumer's informal estimate gets an informal rejection. A certified appraiser's formal report requires a formal response — creating accountability and a documented record if the insurer continues to stonewall.
Total loss and diminished value require different expertise and different methodology. Claimerly matches you to a specialist for your specific claim — not a generalist guessing at both.
Studies show consumers who use independent appraisers recover 40% more on average than those who accept the initial offer.
These are actual outcomes from consumers who pushed back on lowball offers with the right support.
"The third-party insurer offered me ACV of just under $27,000 with no acknowledgment of loss of use. Claimerly helped push the ACV above $47,000 and secured over $9,000 in loss of use on top — more than $29,000 above the initial offer."
"My insurer was extremely difficult. They offered nothing for loss of use and the shop they directed me to did poor work. After Claimerly got involved, the insurer settled for over $33,000 covering repairs, a retained total loss, and loss of use."
"The third-party insurer offered around $1,400 to cover repairs and nothing for loss of use or diminished value. With Claimerly's help, the insurer agreed to cover more than ten times that in repairs, plus $8,600 in diminished value and over $3,500 in loss of use. Total settlement exceeded $30,000."
"My insurer offered $1,400 for my motorcycle and around $2,000 toward my hospital bills. Claimerly recovered over $4,000 for the total loss — and when they saw injuries were involved, they referred me to a personal injury attorney and helped me document everything. That referral led to a $40,000 settlement. In all, I recovered over $44,000, more than $40,000 above what I was initially offered."
"My insurer offered a few thousand dollars to cover repairs on what turned out to be a total loss. Claimerly helped me achieve ACV of over $22,000 and negotiated the salvage value so I kept the car and received an additional $1,600."
Most insurers undersettle all three — often in the same accident. We help you identify and document each one.
California law requires insurers to pay retail replacement value — not private party or book value. If your offer doesn't reflect comparable vehicles actually for sale, you're likely being underpaid.
Even a perfectly repaired vehicle loses market value after an accident. California's 17c formula gives you a documented basis to claim the difference — most insurers never volunteer to pay it.
You're entitled to the retail rental cost of a comparable vehicle for every day you were without yours — not the insurer's discounted fleet rate. California Supreme Court case law is on your side.
The Fair Claims Settlement Practices Regulations bind every licensed California insurer — including third-party insurers handling your claim. Here are the key deadlines they must meet.
Applies to both first- and third-party claims · 10 CCR § 2695 et seq.
DRP (Direct Repair Program) shops have a contractual relationship with the insurer — meaning their financial incentive can conflict with the consumer's interest. Independent shops don't have that conflict.
When consumers come to Claimerly, we recommend independent shops. Registering your shop keeps you visible to our growing base of consumers who are specifically looking to avoid DRP networks.
Free for CAA members and qualifying independent shops
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