Enter your VIN and your insurer's offer. We'll pull real comparable vehicles from your local market and tell you in minutes if you're being lowballed — FOR FREE.
Quick Check: See the average underpayment for your specific vehicle model.
No forms to fill out. No waiting days for a callback. Just enter your VIN and get real market data instantly.
Enter your VIN. We scan thousands of local listings to see if your insurer's math adds up.
If you're lowballed, we offer a professional valuation report for $49 that includes a negotiation guide.
Submit the report to your adjuster. Our data-backed approach forces a second look at your value.
Enter your vehicle details below. Results in under 2 minutes — no signup required.
17-character VIN — found on your dashboard or title
Current mileage at time of loss
Used to find comparable vehicles near you
Use the Market Value from your valuation report — before tax and deductible adjustments
We'll send your results here if you purchase the full report
Pay nothing if your offer is fair. Seriously.
Get the complete comparable vehicle pricing, a professional valuation report, and a negotiation guide to help you get the best outcome with your adjuster.
When your car is declared a total loss, your insurer assigns a value using proprietary tools and algorithms you can't see or challenge — unless you have your own data.
We level the playing field with the same market data they use, interpreted independently and explained in plain language.
Built by licensed industry professionals with more than 20 years of experience, I-CAR Platinum certification and active state licenses where applicable — on your side, not the insurer's.
We work for you, not the insurance company. No conflicts of interest, ever.
Actual comparable listings from your local market, not national averages.
A professional document you can hand directly to your adjuster or attorney.
Know within minutes whether to accept or fight. No waiting, no callbacks.
Every check uses the same methodology professional appraisers use — not generic averages. Here's exactly how your vehicle's value is determined.
VIN Decoded to Exact Trim
Your 17-character VIN is decoded to identify your vehicle's exact factory trim level, options, and specifications — not just make, model, and year. This ensures comparables match your actual vehicle, not a base model.
MarketCheck APILocal Market Search — 100 Mile Radius
We search active for-sale listings within 100 miles of your ZIP code. Insurance companies are required to use comparable vehicles from your local market — so we do the same, giving you an apples-to-apples comparison.
Geo-filtered compsMileage Adjustment — Logarithmic Curve
Each comparable vehicle is mileage-adjusted using a logarithmic depreciation curve — the same industry-standard method used by professional appraisers. Depreciation is not linear: high-mileage adjustments are smaller per mile than low-mileage ones.
Industry-standard methodOffer Benchmarked — LOW / FAIR / GOOD
Your insurer's market value offer is compared against the adjusted comparable dataset. You receive a clear rating so you know immediately whether you have grounds to negotiate before signing anything.
Instant verdict"Built for vehicle owners who feel they were lowballed but aren't ready to invoke the appraisal clause — just someone who wants to know if the number is fair before they sign."
— Founder, Second Look ValueRun your free analysis. If your offer is low, upgrade to a Full Report: $49 flat fee — No Subscription
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