Money Rescue · InsuranceNegotiate your claim from evidence, not guesswork.
Adjusters do this every day and you do it once a decade. This closes the information gap — the coverages nobody mentions, the deadlines that end claims, and a figure built entirely from documents you can produce.
8+
coverages checked
Built in
value calculator
Included
demand letter
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Instant delivery to your emailThe Problem
The information gap is the whole problem.
There's a deadline running that nobody has mentioned to you
Time limits for filing and for bringing a legal action vary by state, and missing one can end a claim permanently regardless of how strong it was. It's the highest-stakes fact in the whole process and the least advertised.
You don't know what you're allowed to claim
Rental, towing, storage, personal property in the car, time off work, and in some states diminished value. None of these appear unless you raise them, and none of them are volunteered.
They negotiate daily and you negotiate once
That asymmetry isn't about who's cleverer — it's about who knows what the process looks like and what a documented claim sounds like. Preparation closes most of it.
Signing too early ends everything
A release signed before the extent of an injury is known generally closes the claim for good, and injuries can surface weeks later. The same goes for cashing a cheque marked as full and final settlement.
What You Get
Everything to negotiate from a defensible position.
Deadlines & Do-Nots
The time limit to check, and what not to sign or say yet.
Coverage Finder
What may apply here, including what adjusters don't raise.
Documented Value Calculator
Evidenced costs, fault adjustment, and the gap to their offer.
Adjuster Call Prep
How to present it, and answers to the standard positions.
Demand Letter
Built from your documentation, with the warnings attached.
Escalation Plan
Supervisor, regulator complaint, and when to get a lawyer.
How It Works
From a first offer to a documented counter.
1
Describe the accident and the claim
What happened, who was at fault, whether anyone was injured, and what they've offered — with the deadline check first.
~10 minutes2
Build a figure you can defend
Every evidenced element added up, adjusted for any share of fault, set against their offer — with gaps in your documentation flagged.
~5 minutes3
Negotiate, then escalate if needed
Call preparation, the demand letter, and the escalation routes — including a free complaint to your state regulator.
~30 minutes1
figure you can defend line by line, with the evidence attached to each element — which is what actually moves an adjuster, rather than a larger number you can't support
8+
coverages checked
1
deadline you can't afford to miss
0
amounts claimed without evidence
Questions
Everything you need to know.
Will it tell me what my claim is worth?
It'll help you build a documented total from evidence you can produce, and show the gap against their offer. What it deliberately won't do is put a number on pain and suffering — that's fact- and jurisdiction-specific, it belongs to a lawyer, and an invented figure weakens a claim rather than strengthening it.
Should I accept the first offer?
Not on the same call, whatever it is. First offers are a starting point and the process expects a response. Whether it's low depends entirely on your documentation — which is why the tool builds your figure from evidence first, rather than telling you a percentage to assume.
Do I need a lawyer?
If anyone was injured, if liability is disputed, or if the amounts are significant, get a free consultation — most personal injury lawyers offer them and work on contingency, so finding out costs nothing. The toolkit says this early rather than talking you out of it, because a self-negotiated settlement signed too early can't be undone.
What is diminished value?
The loss in resale value a repaired vehicle carries because it has an accident history. It's worth asking about — but states and insurers treat it very differently, some restrict it sharply, and it isn't universally recoverable. The tool tells you how to raise it and where to check your own state's position rather than asserting you're owed it.
The accident was partly my fault — does that end it?
It depends enormously on where you are, and this is one of the biggest state-by-state differences in the whole area. Many states reduce recovery in proportion to fault; some bar it above a threshold; and a small number bar recovery entirely if you bear any fault at all. The tool won't tell you which rule applies to you — it tells you to check, because getting this wrong changes everything.
Is this legal advice?
No, and it's careful about the line. It doesn't value injury claims, doesn't tell you your state's law, and doesn't draft anything it hasn't told you to have reviewed if injuries are involved. What it does is help you document properly, understand the process, and know which questions to ask.
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