Coming soon
How to Read Your Total Loss Settlement Letter
A line-by-line walkthrough of what the insurer is actually offering you.
Now in beta
Your insurance claim is negotiable.Don't take their first offer.
Claim the Difference helps drivers recover what they're actually owed on Diminished Value and Total Loss claims — before you settle for less.
No obligation. Free claim review in minutes.
- Built on years of hands-on auto claims experience
- We deal directly with insurance adjusters, so you don't have to
- Independent market valuation, not the insurer's number
Diminished Value vs. Total Loss
Two very different claims — both routinely underpaid.
Diminished Value (DV) Claims
Even after a perfect repair, your car is worth less than it was before the accident — because it now has an accident on its record. That gap is called Diminished Value, and most insurers won't offer it to you upfront. If your car was repaired and put back on the road, you may be leaving money on the table.
Total Loss (TL) Claims
When your car is declared a total loss, the insurer bases their offer on “comparable vehicles” — and that number is often lower than it should be. An independent market valuation can push that offer significantly higher before you sign anything.
Can you tell the difference?
Neither can most buyers — until they pull the vehicle history report.
What the gap can look like
A repaired vehicle can be worth thousands less than it was the day before the accident — even with flawless bodywork. We measure that difference with independent market data, claim by claim.
No published averages until we can back them with our own results.
The process
How it works
No jargon, no runaround. We handle the back-and-forth.
- 1
Tell us about your claim
A quick, free evaluation. No obligation and no pressure.
- 2
We review and negotiate
Our team builds your case with market data and deals with the insurer directly.
- 3
You get what you're owed
We push until the settlement reflects the real value of your vehicle.
Why Claim the Difference
Insurance companies negotiate professionally every day — most drivers don't. We do this full-time, so you don't walk into a claim negotiation alone.
- Direct, hands-on experience with DV and TL claims
- We handle the back-and-forth with adjusters
- Straightforward process, no legal jargon
- Free evaluation up front — fee structure confirmed before any work begins
What drivers say
Placeholder quotes — to be replaced with real, verified testimonials before launch.
[PLACEHOLDER — replace with real testimonial] They got us thousands more than the insurance company's first offer. I had no idea diminished value was even a thing.
[PLACEHOLDER — replace with real testimonial] Total loss offer went up significantly after their valuation report. Painless process.
[PLACEHOLDER — replace with real testimonial] Fast, professional, handled everything with the adjuster so I didn't have to.
Frequently asked questions
Guides & resources
Plain-language explainers, coming soon.
Coming soon
5 Signs Your Diminished Value Claim Was Lowballed
Quick checks that tell you whether the number on the table is fair.
Coming soon
What Is a Market Valuation Report, and Why It Matters
How independent valuations change the conversation with an adjuster.
Get your free claim evaluation
Tell us a little about your claim and we'll take it from there.
Prefer to talk it through? Book a free call.
Pick a time that works for you — we'll walk through your claim together.
Book a Free Call