Your repaired car is worth less. In North Carolina, the at-fault insurer owes you the difference.

Get a free diminished value estimate in under a minute — then a certified, court-ready North Carolina appraisal report and an insurer-ready demand letter in about an hour.

Invoke your policy's appraisal clause and our appraiser works directly with the insurance company's appraiser. You stop arguing with adjusters.

We work directly with the insurance appraiser — not against a call center

Almost every auto policy contains an appraisal clause: a built-in way to dispute the insurer's number without filing a lawsuit. Once you invoke it, the dispute stops being you versus an adjuster.

SnapClaim's licensed appraiser then goes appraiser-to-appraiser with theirs — presenting comparable North Carolina listings, repair severity and market data until a value is agreed, or a neutral umpire decides.

That representation is included in the $350. We never take a cut of what you recover.

Recover under $1,000 and we refund the $350 — every dollar.

One flat fee, stated up front. No contingency percentage, no filing fees, no charge for the demand letter, no charge for appraisal-clause representation. If the claim doesn't clear $1,000 for you, the appraisal costs you nothing.

Free estimate in a minute

Vehicle, mileage, repair amount. You see a diminished value range before you pay anything.

Certified NC appraisal

Real North Carolina comparables, pre-accident vs. post-repair valuation, delivered in about an hour.

Demand letter goes out

Insurer-ready, report attached, addressed to the at-fault carrier's property damage unit.

Lowball? Invoke the clause

We step in appraiser-to-appraiser once you invoke the appraisal clause.

North Carolina treats diminished value as recoverable property damage. The at-fault carrier owes the lost resale value of your repaired vehicle, on top of the repairs.

Unless your policy specifically includes diminished value coverage. We tell you which track you're on before you order anything.

N.C. Gen. Stat. § 1-52 — 3-year limit · NC Department of Insurance — consumer complaints · NC Small Claims Court — claims under $10,000.

$900 offered. $4,500 paid.

Individual results depend on vehicle, damage severity and local market. Not a guarantee of outcome.

After my car was rear-ended in Charlotte, I thought the repairs had restored its full value. SnapClaim's appraisal gave me clear, data-backed proof of the loss. My attorney used the report and the insurance company settled quickly.

What exactly is diminished value?

The resale value your car loses because an accident now shows on Carfax or AutoCheck — even after flawless repairs. It's a separate loss from the repair bill, and it's yours to claim.

What does it cost, honestly?

$350 flat. No percentage of your recovery, no success fee, no charge for the demand letter or the appraisal-clause work. Recover under $1,000 and the $350 comes back.

Do I need a lawyer?

Usually not. The appraisal clause and NC small claims court are both designed to work without one. If you already have an attorney, our reports are formatted for their file.

How long do I have to file in NC?

Three years from the accident for property damage claims, including diminished value, under N.C. Gen. Stat. § 1-52. Sooner is stronger — market data is freshest early.

Will the insurer accept your report?

Our reports are used every week by NC carriers, personal-injury attorneys and small-claims courts. If the carrier still stalls, the appraisal clause is the lever — and we pull it with you.

What if my car was totaled instead?

Then you need a fair market value appraisal, not a diminished value report. Same flat-fee model, same appraisal-clause representation — start the free estimate and we'll route you.

Find out what your North Carolina claim is worth — free, in about a minute

No credit card. No obligation. Report in about an hour if you go ahead — $350 flat, refunded if you recover under $1,000.