Hit in an accident that wasn't your fault?
Your car is worth less now. The insurer owes you the difference.
Even a flawless repair leaves an accident on your car's record, and that drops its resale value. Most insurers lowball that loss and count on you not noticing. See what you're really owed in about a minute — free, on screen.
From lowball to a documented demand — in three steps.
We don't sell you a vague promise. We hand you the actual number and the actual paperwork.
Run the honest calculator
Enter your car and accident details. See a market-based estimate of the resale value you lost — free, on screen, no email wall.
See the insurer's offer beside it
We place the insurer's formula offer right next to your honest estimate, so you can see exactly how much it leaves on the table.
Get your claim kit
A personalized, state-specific demand letter, DOI complaint, and comps exhibit — generated from your answers, ready to send.
What drivers recover when they push back
Across public forums and reviews, drivers describe the same arc again and again: a lowball first offer, then a much larger recovery once they push back with a number and proof. These are common patterns drivers report — not specific RecoupPro cases or guarantees.
The opening offer is low by design
Drivers consistently report first offers of just a few hundred dollars — sometimes nothing at all — even when their car clearly lost far more value than that.
Pushing back changes the number
The same drivers report recovering substantially more — often several thousand dollars — after responding with a documented estimate and evidence instead of accepting the first number.
Persistence is what wins
The pattern that works isn't luck or a lawyer — it's a clear number, written evidence, and not backing down. Insurers count on people giving up early.
These are publicly reported results from drivers handling their own claims — not a guarantee of what you'll recover. Your result depends on your state, your car, and your evidence.
The “17c” formula is the lowball, dressed up as math.
It hard-caps your loss at 10% of your car's value, then shrinks it further with a mileage table. It's not the law — it's one insurer's 2001 settlement formula that the whole industry copied. We show you the honest market number beside it.
Example · $24,000 car, moderate, ~45k mi
~$3,120
estimated diminished value (likely $2,808 – $3,432)
Diminished value isn't a favor. In many states, it's the law.
Insurers often act like diminished value is optional, or deny it outright. But courts and state rules have repeatedly recognized that a repaired car worth less is a real, recoverable loss. A few examples:
California
Civil Jury Instruction (CACI) 3903J
If a repaired car is worth less than before the damage, that difference is recoverable. Diminished value is explicitly on the books.
Georgia
State Farm v. Mabry — first-party DV recognized
Georgia recognizes diminished value even against your own insurer. The "17c" formula insurers use nationwide actually originated from this landmark Georgia case.
North Carolina
N.C. Gen. Stat. § 20-279.21
North Carolina puts diminished value right in its statutes — defining the loss as the drop in a car's fair market value from before the accident to after repairs, with an appraisal process when the numbers are far apart.
Every state handles diminished value differently — some make it straightforward, some make you fight for it. The rules where you live are what matter.
An honest number — built on market reality, not insurer math.
Built from your car's real pre-accident value, not a capped formula.
Full method shown on our methodology page — no black box.
An estimate to argue with, clearly labeled — not legal advice.
See your number first. Decide after.
The estimate is free and shows on screen. No email required to see what your car really lost.