The check is free. The evidence is the paid part.
Cara reads your paperwork and tells you, at no cost, whether a higher counter is supportable. If it is, the full report is what you actually send to the insurer.
Your free analysis
A straight answer on whether the offer holds up, delivered by email and waiting in your Cara account.
- A verdict: is a higher counter worth making, or is this offer already fair?
- The gap: what a supportable value for your car looks like next to their number.
- What we found: the specific places the valuation looks light, named in plain English.
- Where it lives: your inbox, plus an account we set up for you so you can ask Cara questions about it.
The full report
The document that does the arguing: every number sourced, every adjustment itemized, and a counter you can send as-is.
- Every adjustment itemized with its dollar impact, including the ones the report doesn't explain.
- Real comparable listings for a car like yours, archived as exhibits with prices and mileage.
- A ready-to-send counter letter in your name, citing the evidence behind it.
- Your state's sales tax and required fees checked against what they paid you.
- Cara in the app to answer questions and help you handle what the adjuster says back.
Four steps, and five minutes to an answer
Send what they sent you
The valuation, settlement letter, or repair estimate, as a PDF. That's everything Cara needs to start.
Get your free analysis
It arrives by email and in a Cara account we create for you with the same address. Nothing to set up, no card.
See whether to counter
If the offer is fair, Cara says so and you're done. If it isn't, you'll see the gap and what's behind it.
Send the counter
Open the full report in the app for the itemized evidence and a counter letter in your name, then send it to your adjuster.
A flat price per report, paid only if there's something to argue with
Which report applies is the insurer's call, decided when the repair estimate comes in against what the car was worth. You don't need to work out which one you need. Send the file and Cara runs the one that fits.
Total-loss report
The insurer declared the car unrepairable and paid its own estimate of what it was worth. Cara re-tests that valuation against live listings for the same car and itemizes every adjustment sitting behind the offer.
- Every insurer adjustment itemized with dollar impact
- Live comparable listings, archived as exhibits
- Counter letter in your name, ready to send
Diminished-value report
The car was fixed and handed back. It now carries the accident on every history report a future buyer will pull, and the market prices that in. The insurer's offer, where there is one, usually doesn't.
- Market value before the loss against the value after repair
- The insurer's 17c math recomputed, step by step
- Same exhibit-backed packet and counter letter
The check that tells you whether to counter is always free. You only pay if a report is worth running, and a report that finds the insurer's offer fair costs nothing. No subscription and no card on file. Cara provides an independent, evidence-backed analysis, not legal advice or representation.
Recover $1,000 more than their first offer, or you don't pay for the report.
We only sell you a report when the evidence says the offer is low. If you send the counter and the claim doesn't settle at least $1,000 above the number the insurer opened with, tell us and we refund the report in full.
- Applies to both the total-loss and diminished-value reports
- Measured against the insurer's written opening offer
- Ask once the claim closes — within 90 days of settling — with the settlement paperwork
Cara is not a law firm and does not represent you. The guarantee covers the price of the report, not the outcome of your claim. Read the guarantee in full — what it covers, how the baseline is set, and how to claim it.
We already know where insurers cut corners
Cara reads your report line by line and pressure-tests the places valuations quietly lose you money.
Options they left off
Sunroof, leather, tow package, adaptive cruise — factory add-ons that add value but often go uncounted.
Wrong mileage, trim, or drivetrain
A generic match can put the wrong odometer, trim level, or AWD status on your car.
Better-than-average condition
Reports assume “average.” Garage-kept, non-smoker, and well-maintained cars beat that baseline.
Deductions that don't hold up
Charges for prior damage or wear your car didn't have — including hidden “negotiation” adjustments.
Recent work and major repairs
New tires, brakes, and battery, or a rebuilt engine or transmission that renewed the car.
What the accident record costs you
On a repaired car, the crash follows it onto every history report a buyer pulls. We price what that takes off resale.
Sales tax and required fees — automatic
We verify your state's sales tax and mandatory fees are included, straight from the report. Nothing for you to enter.
“The two claims below are the reason CaraClaims exists.
The Audi was my wife’s. The insurer’s first offer looked final and matched nothing I could find for sale. I pulled the listings, showed where their comparables were wrong, and made the case in writing. It worked. A friend’s Rivian later: same story.
Twice is not luck. A first offer is an opening position, not a verdict, and most people never find out. They have a wrecked car, a rental clock and a job.
CaraClaims does in minutes what took me evenings. I can tell you for free whether your offer is worth contesting. If it is, and the report you send does not get you at least $1,000 over their first offer, you get your money back. It is not a law firm or an appraiser, and nobody can promise your number will move.”
What the paperwork shows
Real claims, with the insurer's own documents behind the numbers. The settled figures are transcribed from the owners' paperwork, and the redacted documents are attached so you can read them yourself. We add cases here as owners give us permission to publish them.
The carrier's valuation report put the car at $29,752 — comparables marked down for mileage and condition on a Q5 with 21,896 miles on it. The settlement letter that followed valued the same car at $33,019, and the owner's net payment moved $3,506.
Read the redacted settlementA late-model EV is where carriers have the least to anchor to — few comparable listings, and a market that moved fast. The settlement explanation puts the base value at $79,719 before tax and fees brought the payment to $87,555. The owner puts the opening number at $72,415; we're waiting on the carrier's original valuation to publish that side too.
Read the redacted settlementOwners are identified by vehicle rather than by name, and each case is published with the owner's permission. The linked extracts reproduce the figures from the original insurer paperwork with personal identifiers removed. Individual results depend on your car, your state, and your carrier — some offers are fair, and in that case Cara tells you so at no charge. Cara provides analysis, not legal advice.
Common questions
Are you an attorney?
Firms run Cara on the property-damage side of their clients' files, itemize the insurer's valuation, and send the counter under their own letterhead. Flat per-report pricing, no subscription.