Claimerly helps California drivers fight lowball total loss offers, diminished value, and denied loss of use claims.
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We use this to estimate your claim — not to solicit you.
By submitting, you agree to be contacted by a Claimerly advisor and, where appropriate, a Claimerly-approved appraiser specialist.
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 →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 real outcomes from consumers who pushed back on lowball offers with the right support.
"My insurer offered me $19k. With Claimerly's help I documented comparable retail values and invoked the appraisal clause. Final settlement: $30,400."
"After a rear-end collision that wasn't my fault, I had no idea I could claim diminished value. The 17c formula estimate gave me the ammunition I needed."
"The insurer said they'd pay $30/day using their 'fleet rate.' I used the Claimerly demand letter with the retail rate and case citations. They settled in two weeks."
* Testimonials are illustrative of typical outcomes. Individual results vary based on claim specifics and insurer. Names abbreviated for privacy.
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.
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