Your car is fixed. It's still worth less. The other driver's insurer owes you the difference.
A car with an accident on its history sells for less, even after perfect repairs. In most states the at-fault driver's insurer has to pay that loss too. See your number free, then we write the claim letter and mail it certified for you.
Lost value worksheet
Fill in the car and the crash. The math shows up here, one line at a time, so you can check every number.
What you get for $99
Your lost value, worked out
Your car's pre-crash value from similar cars for sale near you, then the damage and mileage factors, line by line. No black box.
Your state's rule and deadline
Whether your state lets you claim lost value from the at-fault driver, with the statute or case, and the deadline counted from your crash date.
The claim letter, mailed certified
You read and edit it, then approve. We mail it to the insurer by USPS certified mail and email you the tracking number. If it can't be mailed, you get a full refund.
Every state's rule and deadline, with the statute: lost-value rules by state.
Questions
Is this legal advice?
No. We prepare and send; we're not lawyers, and we don't negotiate for you. Owed writes the claim letter from published rules and your numbers, and mails it only after you approve it.
Whose insurance pays?
The at-fault driver's liability insurer. That's a third-party claim. Claiming lost value from your own insurer is a different claim that very few policies allow.
When should I send it?
After repairs are finished, while the property damage claim is still open. The legal deadline is years away in most states, but insurers settle faster while the file is open.
How is the number worked out?
Pre-crash value × a 10% cap × a damage factor × a mileage factor. That's the same structure insurers use, and it tends to come out low. If a dealer gives you a lower written trade-in offer because of the accident, that gap is stronger evidence, and you can claim it instead.
What happens to my information?
It's stored on your case only, deleted after 30 days or when you click delete, and never used for analytics.
We prepare and send; we're not lawyers. Owed is a document-preparation service, not a law firm: we don't represent you or negotiate with the insurer, and nothing here is legal advice. The estimate is a starting figure for your claim, not a guarantee of what the insurer will pay.