Lowball

For drivers whose car was totaled

Your car was totaled. Don’t take the check until you know what it’s worth.

Here’s what happens. Your car gets wrecked, the insurer calls it a total loss, and sends a check for what they say it was worth. That number comes out of software built to settle low, and most people, needing another car right away, just take it. Lowball checks the offer against real car prices and your state’s rules, then shows you for free whether you’re being underpaid, and by how much.

See your free estimateUpload your report, or just enter your offer. Either way, it’s free.

Exhibit A · A real example

What the car was really worth
+$0the gap
Lowball found
What they offered

A real example from our system. The offer on this 2003 Honda Accord came in $1,257 under what the car was actually worth. Found in minutes, for free.

23.1%

of auto claims were declared a total loss in 2025 · CCC Intelligent Solutions, 2026 Crash Course Report

This isn’t your bad luck. It’s a system.

Nearly one in four damaged cars gets written off, and a computer decides the payout, not a person. The same few programs, run against millions of drivers, all nudging the number down. A low offer isn’t a mistake. It’s how the software is built to work.

The mechanism

How your number gets low

Total-loss offers aren’t figured by hand. They come out of valuation software, the same three or four programs run against millions of drivers. Here’s where the number quietly loses weight, marked up the way an auditor would.

Valuation report · excerpt

3 findings

  1. 01

    Projected sold adjustment

    A flat percentage knocked off the price, on the theory that used cars sell for less than their sticker. It comes off your car with no proof it applies to yours.

    ↓ lowers your payout

    ↳ The exact practice challenged in Volino v. Progressive, settled for $48M.

  2. 02

    Comparable selection

    The comps that set your value are chosen by the same software running the claim. Cheaper, higher-mileage, farther-away cars quietly pull the number down.

    ↓ lowers your payout

    ↳ You never see the listings they left out. The kit puts the ones supporting a higher payout back on the table.

  3. 03

    Condition deduction

    Money taken off for “condition” (wear, tires, prior damage), often without anyone ever laying eyes on the car.

    ↓ lowers your payout

    ↳ The “typical deduction” practice behind PEMCO’s $14.1M settlement in Washington.

Each one widens the same gap: the distance between what your car is worth and what the offer says. Lowball measures that distance for free.

The evidence

Gaps big enough that courts made them close.

These aren’t hunches. They’re settlements: the same valuation tricks, challenged in court and paid out. Every figure is sourced.

How it works

Measure the gap, then close it yourself.

  1. 01

    Upload or enter your offer

    Drop in the insurer’s valuation report (CCC, Mitchell, or Audatex), or just type in the offer, your VIN, and ZIP.

  2. 02

    We check the real numbers

    We line your offer up against cars like yours actually for sale, and against your state’s rules for what insurers owe. A checklist, not a guess.

  3. 03

    See what you’re owed, free

    If the offer really is short, the $149 kit is the letter, evidence, and citations you send the insurer yourself.

The dispute kit

$149. Refundable if there’s no gap to close.

See your gap for free first. If it’s worth disputing, the kit is everything you need to do it yourself. No lawyer, no adjuster, no waiting.

See your free estimate

The Total-Loss Dispute Kit

$149

  • A rebuttal letter that names the exact errors in your valuation
  • The real listings that prove your car was worth more
  • The rules in your state your insurer is required to follow
  • A step-by-step guide and follow-up email templates

For comparison: independent appraisers typically $150–$500 · attorney letter $575+

No defensible gap? Full refund. Refund terms.

Before you ask

What Lowball is, and what it isn’t.

Is Lowball a lawyer or an adjuster?
Neither. It’s a self-help document tool. Not legal advice, not an appraisal service, not a public adjuster. You review, sign, and file everything yourself.
What if there’s no gap?
Then there’s nothing to buy. The analysis is free, and if it finds no defensible gap, it tells you so plainly. If you buy the kit and we were wrong, the $149 is fully refundable.
How do you know what the car is worth?
We pull real listings for cars like yours, matched on year, trim, and mileage, plus your state’s rules for what insurers owe. It’s the same evidence an adjuster is supposed to use, working for you this time instead of against you.

See your gap. Free.

It takes a few minutes and costs nothing to find out how far below the market your offer really is. You decide what to do next.

See your free estimate