Should I accept the total-loss offer and dispute later?

No. Cashing the check often waives further disputes. Reject in writing, request the valuation worksheet under your policy, and respond with comparable sales. We assemble the comparable-sales rebuttal that drives most appraisal increases.

What's 'diminished value' and how do I claim it?

Even after a properly repaired accident, your car is worth less because the accident is on its history. Most states allow a diminished-value claim against the at-fault driver's insurer (third-party). A few states allow first-party claims too. We file based on your state's rules.

Auto insurance · Total loss · Claim denials

Auto insurer lowballed your claim? State DOI puts the leverage back on you.

Total-loss valuations come in 15–30% under fair market. Bad-faith claim handling is its own cause of action. We file the DOI complaint + the supporting comparable-sales packet that forces a real second look.

$1,500 – $15,000 typical · Bad-faith cases can be substantially larger

FREE

first month

50% OFF

for life

+1 mo

per friend

If any of this is happening to you

We have the playbook for your exact situation.

Total-loss settlement well below your car's actual market value

Claim denied or delayed past your state's prompt-payment statute

Diminished-value claim refused after repair

Pre-existing damage cited to deny a legitimate new claim

Adjuster missed obvious comparable sales when valuing your loss

The law on your side

State Unfair Claims Settlement Practices

Authority

NAIC Model Act 900 · state Unfair Claims statutes

Every state has an Unfair Claims Settlement Practices Act (most based on NAIC Model Act 900). Bad-faith claim handling — unreasonable delay, lowball offer, failure to investigate — can support a separate cause of action with consequential damages plus, in some states, punitive damages.

The process

Three steps. The agent does the rest.

Send us the bill.

Upload the document — bill, denial letter, deposit itemization, collection notice. We read it, identify which protections in State apply to your specific facts, and tell you what we’d recover. Free triage.

Approve the plan.

We show you the theory of the case — which laws apply, which letters we’d send, what the recovery range looks like. Nothing goes out until you say go.

We do the rest.

Certified mail, deadline tracking, response parsing, escalation when ignored. You only hear from us when there’s a decision to make. Most cases resolve in under 30 days.

Questions, answered

Common questions.

No. Cashing the check often waives further disputes. Reject in writing, request the valuation worksheet under your policy, and respond with comparable sales. We assemble the comparable-sales rebuttal that drives most appraisal increases.

Still wondering? Email hello@dotandcross.io — we read every message.

Closes the day we launch

First month free.
50% off for life.

Two minutes to reserve your spot. Drop your email — we’ll handle the rest when we open.