Free
The estimate on this page
Upload your insurer's valuation and see whether the offer is short. No account, no card, and it is computed on upload.
The appraisal clause is the leverage they hope you skip.
Ground your claim in real market data — Anchor tells you exactly what your car was worth before the accident.
- 100% free
- See if your claim is worth fighting
- We email your potential offer
- Reports signed by an ASCAA-certified appraiser
- Works with any insurer
- No account needed
See a sample appraisal report — PDF, 51 pages
Was your car totaled or repaired?
We calculate your estimate differently depending on what happened.
We use your document only to calculate your estimate. We do not share or sell your information.
What this is, and what your report looks like
Your insurer's report. Your evidence. Your money.
After an accident, carriers use their own tools to minimize what they owe you. We read those numbers and show you what a fair recovery could look like.
Your insurer's valuation report is usually a PDF titled something like "Total Loss Valuation" or "Vehicle Valuation Report" from CCC or Mitchell. It's in your settlement packet, or you can request it from your adjuster.
Diminished value is the gap between what your car was worth before the accident and after, even once repairs are done. You can seek it from an at-fault driver's insurer as part of a liability claim. This is a recognized claim type, not a loophole. We are not your attorney and this is not legal advice.
Where people usually start
$39
Letter Kit
A demand letter with unlimited revisions, your claim analysed, and the insurer's document parsed line by line.
$199
Full Claim Kit
Adds the certified valuation report with market comps and the damages calculator. Money-back if you recover under $500.
The $349 Settled Package adds a follow-up letter sequence, certified mail and a notarization session. The money-back guarantee covers the Full Claim Kit and the Settled Package — see the terms.
How it works
Send us the paperwork
Upload your repair estimate or enter your vehicle details. The estimate is the document your valuation is built from.
We build the valuation
Your vehicle is priced against comparable sales and the damage recorded on the estimate, not against the insurer's worksheet.
You get the number
See what the documentation supports. If you want it signed, the full appraisal is prepared by an ASCAA-certified appraiser.
Why you can check this
A named appraiser signs it.
Reports are prepared and signed by Zoheb Alvi, Certified Auto Appraiser, ASCAA License #ASCAA-CERT-9659. ASCAA is an independent third-party body that we do not operate, so the licence is checkable without taking our word for anything.
ASCAA License #ASCAA-CERT-9659
You can read the whole report before you pay.
The full 51-page appraisal is published — watermarked as a specimen with the vehicle identifiers removed, and otherwise the real document. Comparable sales, the damage on record, the method and the signature page are all in it.
We state what this does not do.
The free estimate is not a guarantee, an appraisal, or legal advice. It cannot predict what an insurer will ultimately pay, and it cannot account for damage absent from the documents you send. Anchor Auto Appraisals publishes those limits rather than a confidence claim.
Frequently asked questions
Questions about your settlement, the paperwork, or what this costs.
Why does the choice of comparable vehicles matter so much?
Comparable vehicles are the primary input in any total-loss valuation. Poor comparables — vehicles with higher mileage, different trim levels, or missing factory options — produce lower valuations. Every comparable in your insurer's report can be reviewed and challenged if it does not accurately represent your vehicle.
How do insurers choose comparable vehicles for a total-loss valuation?
Insurers use third-party valuation platforms that select comparable vehicles from local listings and recent sales. The platform applies adjustments for differences between the comparables and your vehicle. You have the right to request the comparable vehicles used and challenge any that do not accurately represent your car.
What if there are not many comparable vehicles in my area?
When local comparables are scarce, the valuation must draw from a wider geographic area or use older sales data — both of which require careful adjustment to remain accurate. Thin markets are more prone to valuation errors, which makes independent review more valuable, not less.
Can I challenge specific comparable vehicles in my insurer's report?
Yes. You can request the details of every comparable used in your insurer's valuation and challenge individual comparables that are a poor match for your vehicle. Common challenges include vehicles with higher mileage, different trim levels, or missing factory options.
What if my vehicle had recent upgrades or rare factory options?
Factory options and recent upgrades can significantly affect market value. Document them thoroughly — original sales invoice, build sheet, receipts for recent major work — so your appraiser can properly account for them. Generic valuation tools often undervalue vehicles with non-standard configurations.
See what your paperwork supports
Send the repair estimate and get your number. No account needed to see it.