Auto insurance public adjuster for denied or underpaid claims

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Who we help with auto insurance claims

Most auto claims raise the same three questions: what the process is, how much you will get and how you know it is the full worth. We help:

• Drivers after an accident whose insurer’s estimate or offer looks too low for the damage
• Owners who want the car repaired properly, at a dealer-approved body shop and priced with new parts
• Vehicle owners with wildfire ash or debris damage to paint, glass and trim, which is claimed under the auto policy rather than the homeowners policy

Talk to us before you accept the insurer’s number, or after it has been paid if you believe it fell short.

What our clients say about our team

Accurate Claims Consulting

5 Stars - Based on 37 User Reviews

Yelp Rating

5 Stars - Based on 6 User Reviews

These guys are well-tuned machines!!!! Very smart, “Accurate”, and professional.

Turner Mitchell, Google review

Read all of our reviews

Insurer-side training, policyholder-side loyalty. Our public adjusters have worked for major insurance companies like Farmers, State Farm and Allstate, which gives them inside knowledge of what you are owed for your claim. Each has a Bachelor’s degree at minimum, and some are US military veterans. About Accurate Claims Consulting

How we handle an auto insurance claim

1. Review the insurer’s estimate. We go through the damage estimate line by line and photograph the vehicle ourselves.
2. Price new parts. We evaluate the damage using pricing for new rather than used parts.
3. Use dealer-approved body shops. We work with dealer-approved shops to support the repair scope and the settlement.
4. Negotiate with the auto insurer. We present the complete claim and answer the insurer’s adjuster for you.
5. Get paid on contingency. No fee is due unless the insurer pays the claim.

What insurers dispute on auto insurance claims

New parts or used parts?

An estimate built on used parts pays less than one built on new parts. We evaluate auto damage using pricing for new parts and ask the insurer to justify anything less.

Who decides where the car is repaired?

Your insurer may steer you toward its own process. We work with dealer-approved body shops so the repair scope reflects how the manufacturer expects the car to be fixed.

Was the claim decided on limited information?

When the insurer’s adjuster takes the lead, the claim can be settled on what little you told them in the first call. We put the full damage and repair evidence in front of the insurer.

Is ash on the car part of the home claim?

No. Ash etching on paint, glass and trim and contaminated cabin air filters are handled under the auto policy, so they need a separate claim; our guide to ash and HVAC damage after a wildfire evacuation explains what to document.

Licensing and where we work

In California, our public adjusters are licensed through the California Department of Insurance, and drivers can also contact the department about how an auto claim is being handled. In Arizona, auto insurers are regulated by the Arizona Department of Insurance and Financial Institutions.

Public Adjusters Services Areas

If a vehicle has struck your home or business, see our vehicle collision claims page. For property losses we handle water damage, fire damage, storm damage, earthquake damage and personal property claims.

Auto insurance claim questions