The insurer’s valuation
The offer and valuation report show which vehicles, adjustments, and deductions shaped the number.
Is your total-lossoffer too low?
Send us the insurance company’s offer and details about your vehicle. We’ll review the valuation at no charge and respond within 48 hours. If a paid appraisal makes sense, a complete report starts at $99.
Free review first. Complete report from $99
We often find hundreds—and sometimes thousands—more than the insurance company’s first offer.
Free review · Response within 48 hours · Nationwide
Complete report for $99
Free-review response within 48 hours
Money-back guarantee
A useful review starts with the right inputs.
We look at the insurer’s valuation, the facts about your vehicle, and relevant market evidence before suggesting a paid report.
Your exact vehicle
Trim, mileage, options, condition, and prior upgrades help us check whether the vehicle description is accurate.
Relevant comparables
We consider available listings and other market evidence that better match the vehicle and location.
If your offer is fair, we'll tell you.
If it isn't, we'll show you why.
From insurer offer
to a clear next step.
Start with a free review. Pay for a report only if the valuation issue appears worth documenting.
Send the core details
Share the insurer’s offer, vehicle details, and the valuation report if you have it.
We review the valuation
We check the vehicle description, adjustments, comparable choices, and relevant market evidence.
Get a response within 48 hours
We explain whether a paid appraisal appears worthwhile. If the offer looks fair, we’ll tell you that too.
See the Full Process
Paid reports delivered within 48 hours after your file is complete
Independent Vehicle Appraisal
Comparable Vehicle Analysis
What a stronger valuation can change.
Examples from completed customer claims.
Vehicle photo
2019 Mazda Miata
- Initial insurance offer
- $19,256
- Final claim payment
- $21,709
Additional amount recovered
$2,453Individual results vary. These examples do not guarantee a similar outcome.
Built to make the
valuation understandable.
“After my own total-loss claim, I saw how much trim, mileage, condition, and comparables matter. I started Spur Auto to help drivers understand the numbers behind an insurance valuation.”
Mark West, Founder and Car Enthusiast
Consumer-only
We never take insurance company work.
Honest review
If the offer is fair, we say so.
Nationwide
Everything can be handled remotely, in any state.
Before you send your offer.
Clear answers about the free review, the 48-hour response, and what happens next.
Is the initial review really free?
Yes. There is no charge to submit your offer for an initial review. If a paid appraisal appears worthwhile, we explain the available report options before you decide.
What should I send?
Send the insurer’s offer amount, your vehicle’s year, make, model, mileage, and ZIP code. The insurer’s valuation report is strongly recommended because it shows the comparable vehicles and adjustments used.
What if my offer looks fair?
We’ll tell you. The free review is meant to help you decide whether further appraisal work appears worthwhile, not to sell a report in every case.
When will I hear back?
We respond within 48 hours after we receive the information needed to review your offer. If anything essential is missing or unreadable, we’ll email you with the specific item needed.
Does Spur Auto negotiate with the insurer for me?
No. Spur Auto provides independent valuation evidence and general response support, but does not contact or negotiate with the insurer on your behalf. You remain in control of all claim decisions and communications.
Find out whether your offer is worth a closer look.
Send the offer and vehicle details for a free review. We’ll respond within 48 hours, and a complete independent report starts at $99 only if you choose to continue.