FOR US DRIVERS WITH A TOTALED CAR
Insurers routinely undervalue totaled cars by thousands — and hope you won’t check the math. Upload their valuation report. We audit every comparable and every deduction, then write the dispute letter that makes them justify the number or raise it.
No account. No card. 24-hour turnaround during beta.
2009 FORD ESCAPE XLT 4WD · 103,915 MI
Example audit of a real CCC-format sample report.
Valuation reports look like science. Inside, the same three tricks show up again and again.
TRICK 01
Your car gets rated "Good" with $0 adjustments. Then every single comparable gets a flat "condition" deduction anyway. Same factor, counted twice — straight out of your pocket.
We flag it, quantify it, and put it in writing.
TRICK 02
Different trims, different engines, different model years — "fixed" with hand-made downward adjustments of up to 20% of the car’s price. That’s not a comparable. That’s a discount with extra steps.
We flag it, quantify it, and put it in writing.
TRICK 03
Your value is often a simple average. Two clunker listings in the mix quietly drag it down by hundreds while real market listings sit thousands higher.
We flag it, quantify it, and put it in writing.
Your insurer must show the valuation behind their offer (CCC or Mitchell). We’ll tell you exactly how to request it — then upload the PDF or photos.
Each comparable, adjustment, and deduction gets checked against your actual car and real local listings.
You get a professional dispute letter citing your state’s claim-settlement rules, plus an escalation guide: appraisal clause, department of insurance complaint. You send it — insurers answer policyholders.
From a real CCC-format sample report:
FINDING 01 — Uniform –$619 "condition" deduction applied to all 12 comparables while the loss vehicle was rated Good with $0 adjustments. Double-counted.
FINDING 02 — Comparables include Limited trim and 2.5L I4 engines against an XLT 3.0L V6, reconciled with manual adjustments up to –$2,400 per vehicle.
FINDING 03 — Base value is a simple average that includes two outlier listings at $6,788 and $7,182, while same-trim listings run $8,580–$13,485.
Corrected value: $9,466 vs. their $8,244. That’s $1,222 found in one read.
BETA — first 30 cases free
$79
per case, one-time
If your offer is actually fair, we’ll tell you straight — no letter, no charge, no upsell.
No. LowballBuster prepares documents and explains how valuations work. We're not a law firm, not adjusters, not appraisers. You review and send everything yourself.
No one can guarantee an outcome. What we know: first offers commonly have room, and documented comps plus methodology errors are exactly what moves numbers. If we find nothing wrong, we tell you that too.
It's the document (usually CCC or Mitchell) behind the offer. Ask your adjuster for the full market valuation report in writing — in many states they're required to provide it. We'll send you a ready-to-use request template.
All 50. Your letter cites your state's claim-settlement rules where they apply.
Perfect timing, actually. Start your case and we'll tell you what to expect, what to request, and what not to sign.
They're used only for your case and deleted after it closes. Never sold, never shared. Details in our Privacy Policy.
Within 24 hours during beta.
Free while we’re in beta. The next lowball doesn’t have to be yours.
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