Know the process
What happens first, what happens next, and which deadlines matter.
Your guide through insurance claims & restitution
Your insurer isn’t looking out for you. We are.
Don’t know the process? Not sure who to call or what documents you need? We’ve been through it ourselves, more than once. We’ll walk with you through every step. Let us help you handle it.
Our own DUI case · no lawyer
Example
+$30,000+
over $30,000 more than we were originally told
- +$10k on a totaled truck
- $21k in restitution
+$30k+
more than we were originally told, in total, on one case. No lawyer: we researched the process and built our own documentation.
+$10k
more than the insurer’s “take it or leave it” value on our totaled truck.
$21k
recovered in restitution, with documentation we put together ourselves.
From our own recent DUI case: a totaled truck and restitution. An example, not a promise. Every claim is different. We did it without a lawyer, but sometimes you do need one, and we’ll tell you when.
Our mission
Nobody should have to figure this out alone.
Don’t know the process? Not sure who to talk to? Want guidance on how to get taken care of? In our experience, insurers can mislead you and don’t always tell you the full picture, and the person on the phone doesn’t always know the rules. We’ll guide you through it.
Tired of paying for insurance and then having to fight for what’s fair? We’re here to help make sure you aren’t misled, and to guide you through the process, including the legal side if it goes there.
Think of us like a car-buying consultant, but for insurance claims and restitution. Big firms usually only take cases with serious money. We work with you no matter how small it is.
Read our full mission →Know who to call
Your insurer, theirs, the claims department, the court, the victim advocate. In the right order.
Know what to document
The reports, photos, receipts, and comparables that actually get taken seriously.
Know what you’re owed
What your policy actually covers, so you can spot a lowball and push back.
How working with us works
Three steps. You’re not doing this alone.
- 1
Tell us what happened
A free first conversation. Give us the short version, messy details and all.
- 2
We map the process & paperwork
Who to call, what to ask for, what to document, and the deadlines, laid out in plain words.
- 3
We guide you step by step
We walk with you through every call, letter, and filing, and help you prepare to speak up for yourself.
Fair, low-cost, no overpaying. The point is to help you keep more of what you’re owed, not spend it on getting help.
How insurers think
They’re a business. Act like it’s business.
Adjusters can be perfectly nice people. But the company they work for makes money by paying out less. In our experience, they act in their own interest, not yours. Plan for that.
“This is our final offer.”
A first offer is often an opening number. It tends to move when you show, in writing, why it’s wrong.
“That’s what your truck is worth.”
Total-loss values usually come from their software and their comparables. You can bring your own: real listings, options, condition, mileage.
“We don’t use OEM parts.”
Cheaper parts save them money. What you’re owed depends on your policy wording and your state’s rules, so read both and ask.
“They won’t cover this.”
“Won’t” isn’t a policy section. Ask which clause, in writing. Then check your own coverage too, like uninsured motorist.
“You’d need an expensive appraiser.”
Sometimes you do. Sometimes clean, organized documentation that you build yourself is what moves the needle.
“Just sign so we can close this out.”
Speed usually helps them. Know what you’re releasing before you sign, and don’t let anyone rush you.
This is our honest take from our own claims, not legal advice. Your policy and your state’s law decide the details.
Our own case, shared as an example, not a promise of results.
How we did it
No secret tricks. Just the work.
The same five steps got us through every one of our claims. Now we walk other people through them.
Stop taking “no” at face value
Get the decision, the reason, and the exact policy language in writing.
Read the actual policy
All of it. The answer to “that’s not covered” is often in there.
Build the file yourself
Photos, reports, receipts, comparable listings, every call logged with a date and a name.
Learn the process and the clocks
Appraisal clauses, complaints, restitution, small claims. Each has steps and deadlines.
Push back, in writing, with evidence
Calm letters with proof attached. And if it’s time for a real lawyer, you show up ready.
What we help with
Where we can guide you
Total-loss lowballs
Checking their number and building your own case for what the vehicle was really worth.
OEM vs. aftermarket parts
Finding what your policy actually says and pushing back in writing.
Restitution & diminished value
Organizing the documentation so your loss is clear, on paper.
Drunk, uninsured & hit-and-run drivers
Who pays, which policies to check, and what to file when you’re told there’s nothing.
Kind words Sample testimonials
People we’ve helped (placeholder quotes)
“The adjuster said the rental wasn’t covered. They showed me exactly where it was in my policy.”
“I thought my claim was too small to fight. They didn’t. Honest, patient, and they actually call back.”
“They told me upfront I needed a real attorney, and helped me show up organized.”
Not sure where to start? Let us help you handle it.
The first conversation is free. Tell us what happened and we’ll walk you through what comes next, honestly.