Three steps between you and a fair settlement.
You don't need to become an appraisal expert or spend weeks fighting on the phone. You gather what you already have; we do the heavy lifting.
The customer journey
Send us your claim
Complete our short intake form and upload what you have: the insurer's offer or valuation report, repair estimates, photos, and your VIN. Missing something? We'll tell you exactly what to request from your adjuster. Takes about 10 minutes.
We build your independent report
We look at your vehicle's details and the insurer's numbers, then build a vehicle value report from comparable dealership listings, recent auction results, and private-party marketplace sales. Your report arrives by email within 48 hours.
Present it and negotiate
Every report includes ready-to-send correspondence templates and a step-by-step submission guide. Guided packages replace the general templates with claim-specific documents and an evidence index, then adds a personal report walkthrough, a factual addendum, insurer-response review, negotiation guidance, and help drafting follow-up correspondence.
What's in the report - chapter by chapter
Adjusters take a report seriously when it's built the way their own appraisers build them. Every Spur Auto report follows the same three-chapter structure.
Claim & Damage Audit
We take the insurer's valuation apart line by line: the comparable vehicles they chose (and the ones they conveniently ignored), condition adjustments, mileage deductions, and repair-quality findings. Every error and omission is flagged and documented, so you know exactly where the offer went wrong.
Independent Market Valuation
Our own valuation of your vehicle, built by hand - not pulled from a single database - from comparable dealership listings, recent auction results, and private-party marketplace sales in your region, with options and trim corrections. This chapter is the number you negotiate from, with the methodology to defend it.
Correspondence & Evidence Pack
Everything you need to act: a ready-to-send demand letter citing your report, response templates for common adjuster pushback, your state's relevant claim-handling requirements, and a checklist for escalating to a supervisor, appraisal clause, or department of insurance complaint if the insurer won't move.
What happens after you send the report?
Most claims: the insurer responds
A documented, documented counter-valuation changes the conversation. Many adjusters revise their offer once real evidence is on the table.
If they push back
Your Evidence Pack covers the common objections. Guided customers also receive help reviewing the insurer’s response and drafting correspondence throughout negotiations.
If it needs to escalate
Your policy's appraisal clause and your state's complaint process are powerful tools. We'll show you how to use them - and when it's time to talk to an attorney, we'll say so honestly.
Step one is free.
Get a no-obligation review of your settlement offer and find out if a full report makes sense for your claim.
Get My Free Claim Review