The report, before you decide anything
A full 51-page specimen appraisal — the same format submitted under an appraisal clause, with every comparable and adjustment shown.
Precision appraisals powered by real market intelligence.
Our system analyzes thousands of comparable sales to pinpoint the true pre-loss value of your vehicle.
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.
- 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
What you actually get
Signed by a certified appraiser
Reports are signed by an ASCAA-certified appraiser. The credential belongs to the written appraisal, not to the free estimate this page produces.
What this estimate does not cover
- It is an estimate, not a signed appraisal and not legal advice.
- Accuracy depends on market depth. Where few comparable vehicles sold near you, the range is wider — and we say so rather than quoting a false precision.
- It cannot tell you what your insurer will agree to. It tells you what the market evidence supports.
- It does not use your insurer's proprietary data. The analysis is built only from independent market sources.
Look up your situation
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. ValueGuard Appraisals publishes those limits rather than a confidence claim.
Frequently asked questions
Questions about your settlement, the paperwork, or what this costs.
How does AI improve a vehicle appraisal?
AI allows us to analyze far more comparable sales than a manual review could cover, identify pricing patterns that are not visible in small samples, and apply consistent weighting across condition, mileage, and equipment variables. The result is a valuation that reflects the full market rather than a curated subset of it.
Is an AI-assisted appraisal accepted by insurance companies?
Our appraisals are prepared by licensed appraisers who use AI-assisted analysis as a tool, not a replacement for human judgment. The final report is signed by a credentialed professional and meets the documentation standards required by most appraisal clauses. The analysis method is disclosed — we do not hide the methodology.
What data sources does your system use?
We draw from publicly available vehicle listing and transaction databases, auction results, and dealer inventory data to build a picture of your local and regional market. We do not use proprietary insurer data, which means our analysis is fully independent.
How accurate is the appraisal system?
Accuracy depends on market depth — how many comparable vehicles are available in your geography and time window. In dense markets with abundant comparable sales, our estimates are highly reliable. In thin markets, we disclose the data limitations and adjust our confidence range accordingly.
Can I use this appraisal to challenge my insurer's valuation report?
Yes. Our appraisal can be submitted as a counter-valuation under your policy's appraisal clause. If your insurer's report used poor comparables or opaque adjustments, our analysis provides a documented alternative built on transparent, verifiable market data.
See what your paperwork supports
Send the repair estimate and get your number. No account needed to see it.