Compare and Audit Your Car Insurance
Compare car insurance quotes, review policy changes, and audit insurance documents — all with free privacy-first tools that run in your browser.
Normalize carrier terminology, verify deductibles, recover unearned GAP refunds, and audit total loss valuations with zero spam calls.
"Quote B is $34/mo cheaper primarily because the collision deductible was doubled to $1,000 and roadside assistance was omitted."
In-Memory Parsing: Documents are extracted locally via WebAssembly. No files ever leave your device.
4-State Diffing: Objective line-by-line categorization (Same, Different, Not Detected, Needs Confirmation).
Page Evidence: Every difference is linked to raw text and exact PDF page citations.
How In-Browser Insurance Auditing Works
Bring your insurance documents — total loss reports, repair estimates, loan payoff statements, or quote proposals — for an instant, private audit.
Load Your Document
Upload your CCC ONE valuation report, loan payoff letter, or quote PDF. Or use our interactive quick wizards if you don't have documents handy.
100% Local Forensic Audit
Everything processes client-side in browser memory. We audit missing factory options, formula discrepancies, fee caps, and coverage differences.
Generate Rebuttal Package
Get formal, print-ready demand letters cited with exact state statutory codes, dealer comparable evidence, and automatic PII masking.
The Complete Policy Intelligence & Audit Suite
Specialized, zero-server browser utilities to dispute claims, recover unearned refunds, and audit auto insurance policies.
Total Loss Valuation Dispute
Audit CCC ONE & Mitchell reports. Catalog omitted factory options, analyze dealer market comps, enforce sales tax reimbursement, and generate dispute letters.
Diminished Value Calculator
Audit insurer 17c formula offers, calculate real-world dealer market deltas, check 50-state tort rights, and generate a demand letter.
GAP Insurance Refund Auditor
Calculate unearned pro-rata GAP refunds after early loan payoff or refinance. Audit Rule of 78s math, enforce 50-state fee caps, and route to top 15 auto lenders.
Quote Comparator
Side-by-side comparison of 2 quotes with page-cited coverage evidence.
Multi-Quote Normalizer
Upload 3 to 5 competing carrier quotes into a unified canonical matrix.
Switching Audit
Audit replacement quotes against active dec pages to prevent coverage stripping.
Renewal Reconciler
3-document reconciliation of prior dec, renewal dec, and payment schedule.
File vs. Pay Modeler
Model multi-year surcharge costs vs out-of-pocket repairs under 50-state rules.
DMV Lapse Calculator
Calculate statutory daily civil penalties, restoration fees, and SR-22 rules.
Rate Creep Ledger
Track compound rate increases across policy renewal cycles with CAGR math.
C.L.U.E. & FCRA Dispute
Decode LexisNexis claims reports and format 30-day FCRA dispute letters.
Forensic Auto Insurance Intelligence: Why Policy & Claims Audits Matter
Auto insurance documents are legal contracts filled with complex actuarial adjustments, third-party software formulas, and statutory endorsements. When a vehicle is declared a total loss or involved in a collision, carriers rely on third-party valuation engines (such as CCC ONE, Mitchell WorkCenter, and Audatex) that frequently undervalue vehicles by omitting factory-installed packages, applying unwarranted conditioning deductions, or sampling distant rural comparables.
Similarly, when auto loans are satisfied early or when policyholders shop for replacement quotes, billions of dollars in unearned GAP refunds and stripped coverage go undetected. This platform provides neutral, client-side tools to audit documents line-by-line against primary legal authorities across all 50 states.
Identifies omitted trim packages, challenges arbitrary dealer conditioning deductions, enforces mandatory state sales tax reimbursement (e.g. 10 CCR § 2695.8, 11 NYCRR 216.6), and prepares written rebuttal packets.
Audits flawed 17c formula settlement caps against local dealer market comparables and verifies 50-state third-party tort recovery rights and small claims court jurisdictional limits.
Calculates straight-line pro-rata refunds after auto loan payoff or refinance, flags illegal Rule of 78s front-loading, enforces state fee caps ($0 in CA & CO), and routes to top 15 auto lenders.
What this toolkit establishes
- ✓ Forensic discrepancy audits of CCC ONE, Mitchell, and Audatex total loss valuations.
- ✓ Statutory unearned GAP refund amounts and 50-state administrative fee limits.
- ✓ Field-by-field coverage differences between competing quotes with exact page citations.
- ✓ Print-ready formal dispute and demand letters formatted with statutory citations.
What this toolkit does not establish
- ✕ Legal representation or formal certified appraisal services (consult licensed professionals).
- ✕ Which insurance carrier or policy is "best" — we present objective mathematical facts.
- ✕ Live insurer quote generation or policy binding (we do not sell insurance or leads).
- ✕ Carrier proprietary algorithmic risk scoring models or secret tier assignments.
Frequently Asked Questions About Insurance Auditing
Essential answers on total loss valuation disputes, diminished value claims, GAP refunds, and quote comparisons.
How do I dispute a low auto total loss settlement offer (CCC ONE / Mitchell report)?
To dispute a low CCC ONE, Mitchell, or Audatex total loss settlement, request the full valuation report from your adjuster. Audit the report for omitted factory trim packages, verify comparable vehicle distance radii (challenging comps from distant rural markets), challenge arbitrary dealer conditioning deductions, verify mandatory state sales tax reimbursement, and submit a formal written rebuttal package with local dealer listings.
What is diminished value and how is it calculated after a car accident?
Diminished value is the permanent market loss in vehicle resale value resulting from an accident history on Carfax or AutoCheck. Third-party claimants can recover inherent diminished value based on real-world local dealer comparable price deltas rather than flawed insurer formulas like 17c.
How does an unearned GAP insurance refund work after auto loan payoff or refinance?
When an auto loan is paid off early, refinanced, or traded in, the borrower is entitled by state law to a straight-line pro-rata refund of the unearned GAP waiver fee. State laws in California, Colorado, and Texas cap or prohibit administrative cancellation fees, and lenders must issue refunds within 30 to 60 days.
What is car insurance quote comparison and how does it catch coverage stripping?
Car insurance quote comparison is the process of evaluating two or more insurance proposals line-by-line to ensure coverage limits, physical damage deductibles, vehicle schedules, and policy endorsements are identical before choosing a policy based on premium cost. Insurers often lower quoted rates by quietly doubling deductibles or dropping roadside assistance.
What happens if my auto insurance lapses and how are DMV fines calculated?
When auto insurance lapses, state electronic reporting databases (like NY IIES or TX DIRS) notify the DMV. Drivers face statutory daily civil penalties, mandatory vehicle registration suspensions, plate restoration fees, and mandatory SR-22 financial responsibility filings for up to 36 months.
How does this in-browser insurance toolkit protect my personal privacy?
All document text extraction, CCC report auditing, and policy comparisons run 100% locally in your browser using client-side JavaScript. Your valuation reports, declaration pages, claim numbers, and quote PDFs are never uploaded to any server, stored in a database, or shared with lead brokers.
Audit your auto insurance documents privately.
No account creation. No insurer passwords. No document uploads to any server. Simply audit your total loss reports, loan payoff agreements, and quotes with page-cited factual evidence.