Is Your Total Loss
Settlement Offer Fair?
Check whether your insurer’s offer lines up with real local market data. Get an independent second opinion in under 2 minutes — no signup, no credit card.
Get your free settlement check
Enter a few details to see whether your payout looks fair.
- ✓ No signup required for the free analysis.
- ✓ Compare your offer against local market data.
- ✓ Upgrade to a full $49 report only if you need it.
Know Your Car’s True Value in Minutes
No forms to fill out. No waiting days for a callback. Enter your VIN and get a market-based review instantly.
Check For Free
Enter your vehicle details and see whether your settlement looks low compared with local listings.
Get Your Proof
If you offer is lowballed, we offer a professional valuation report for $49.00 that includes a negotiation guide
Increase Your Payout
Use the report to ask for a fairer settlement and support your conversation with the adjuster.
The Deck Is Stacked Against You
When your car is declared a total loss, your insurer uses valuation tools that you may not be able to see or challenge easily. We help level the playing field with local market comparisons and plain-English explanations.
The goal is simple: help you understand whether your settlement offer is fair before you accept it.
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.
Comparable listings from your local market, not broad national averages.
A professional document you can share with your adjuster or attorney.
Know within minutes whether to accept or dispute. No waiting, no callbacks.
Common Questions
Quick answers about how the settlement check works and what you receive.
What is a total loss evaluation?
How does the free analysis work?
Can I use the report to negotiate with my insurer?
How long do I have to dispute a total loss offer?
What if the offer turns out to be fair?
Analysis You Can Trust
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 ValueDon’t Accept the First Number
Run your free analysis. If your offer is low, upgrade to a Full Report: $49 flat — no subscription, no surprises.
Get A Second Opinion — Free