Stop Getting Ripped Off By Your Insurance Company
8 out of 10 settlement offers are undervalued—don't accept a lowball offer without proof of your car's true market value.
Since 2017, Vehicle Value Analysis has helped over 10,000 policyholders fight back with real market data. Get the exact ammunition you need to challenge unfair settlement offers—or know if their offer is actually fair.
Click any card to select a different report option
Silver includes:
- Estimated Value Range
- Comparable Sales Data
- Basic Market Statistics
- Instant Digital Report
- Email Delivery
✓ Enter Year/Make/Model to see if settlement offer is fair
Included with Platinum Report • Save over $119.95 in bundled services
Perfect for: Initial leverage before counteroffer
*Sample size varies by vehicle popularity and market availability
Here's What Your Insurance Adjuster Knows (That You Don't)
Insurance companies have a playbook designed to pay you less. Here are the three tactics they're counting on right now:
Their "proprietary valuation software" isn't magic—it's programmed to lowball you by $3,000-$7,000 on average.
They use "comparable vehicles" that are older, higher mileage, or have accident history to justify their low offer.
They know most people won't spend $500-$600 to challenge a $4,000 lowball offer.
By the time you get a certified appraisal, your rental coverage expires and financial pressure mounts—forcing you to accept.
Your policy has an "Appraisal Clause" that lets you demand independent appraisal.
But you need legitimate evidence first—that's where we come in at 1/10th the cost of a certified appraisal.
💡 The Bottom Line: Insurance companies bet on you not having the data to fight back. Our reports level the playing field for less than a tank of gas.
Frequently Asked Questions
Which option should I choose?
Silver ($29.95): Quick check to see if your carrier's offer is in the ballpark. Sample size varies by vehicle popularity and market availability.
Gold ($49.95): VIN-based comparison to real market sales with mileage adjustment. Most popular.
Platinum ($149.95): Complete negotiation package with professional guidance, bundle reports (CarFax, KBB, AutoCheck, JD Power), and appraisal credit.
Why doesn't the Silver/Gold report include full VINs for comparable vehicles?
Due to privacy laws and data licensing agreements, we cannot provide full VINs of comparable vehicles in basic reports. These reports are designed to give you quick, affordable insights to determine if your settlement is fair before investing more. For formal disputes requiring detailed documentation with full VINs, consider our Platinum Report or a Certified Appraisal.
Is this the same as a Certified Appraisal?
No. Certified Appraisals cost $500–$600+ and are used to formally challenge an insurer's offer. Our reports give you actionable insights at a fraction of the cost. The Platinum report includes a credit toward a Certified Appraisal if you decide to pursue one.
Where does your data come from?
Our analysis uses over 6.5 million premium market data points from verified transactions with rigorous statistical outlier removal for maximum data integrity.
What is Consumer Protection Pricing?
Our Platinum Reports use Consumer Protection Pricing methodology, which considers both the original asking price and final sale price for each comparable vehicle. When a vehicle's asking price is higher than its sale price, we use the asking price because it better reflects true market value. This approach prevents undervaluation and ensures you receive a fair, defensible market valuation.
My adjuster said their offer is "final." Can I still negotiate?
Absolutely. "Final" is a negotiation tactic designed to make you give up. Provide counter-evidence (like our report showing real market sales) and cite your policy's Appraisal Clause rights. Most adjusters will reconsider when presented with legitimate data.
How long do I have to challenge my settlement?
Typically 30-90 days depending on your state and policy terms. Don't wait—rental coverage ends fast and pressure increases daily. Get your report now while you still have leverage.
Will using this report make my insurance company angry?
They may push back initially, but it's your contractual right to challenge their valuation. Having data-backed evidence forces them to negotiate fairly or invoke the appraisal clause. You're not being difficult—you're being informed.
What if I already accepted their offer?
If you signed a release, it's difficult (but sometimes possible) to reopen. If you're still in negotiation and haven't signed, you have leverage. Time is critical—act now before signing anything.
Do you work with lawyers or certified appraisers?
Our Platinum reports are lawyer-ready and include a credit toward a certified appraisal if you choose to pursue one. We provide the data and evidence; you or your attorney use it as leverage in negotiations or arbitration.
Real Results from Real People
These aren't hypothetical—these are actual policyholders who refused to accept lowball offers
"Insurance offered $18,500. The Gold Report showed comparable sales at $23,200. I countered with their data and settled at $22,800 three days later. Best $50 I've ever spent."
— Sarah M., Fort Worth, TX
"The Platinum Report gave me everything I needed to invoke appraisal clause. The adjuster saw I was serious and increased the offer by $6,400 before we even got to appraisal. This thing paid for itself 40 times over."
— Michael R., Dallas, TX
"I almost accepted their $15,800 offer. The Silver Report showed similar cars selling for $18K-$19K. One email with the report attached and they came back at $19,000. Easiest $30 I ever spent."
— Jennifer T., Houston, TX
"Their first offer was insulting. The Platinum Report gave me KBB, JD Power, AND real sales comps. My lawyer used it and we invoked appraisal clause. Settled $5,100 higher without going to arbitration."
— David K., Miami, FL
💰 Combined settlements from these 4 customers: $18,000 more than initial offers.
Total cost of reports: $349.80 • Total additional recovery: $18,000+ • ROI: 5,161%
They're Counting On You To Just Give Up
Every day you wait is another day they know you're getting desperate. Rental coverage is expiring. Bills are piling up. They're betting you'll crack and accept their lowball offer.
Don't let them win.
For less than a tank of gas, you can get the exact ammunition you need to fight back—or at minimum, know if their offer is actually fair.
The average person who uses our data increases their settlement by $4,300.
What will yours be worth?
We respect your privacy and protect your personal information in accordance with applicable laws. Your data is used solely for providing valuation services and will not be shared with third parties without your consent.
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