How it Works
We Don’t Fight Alongside You. We Replace You.
A clear explanation of what a claim assignment is, why it is different from hiring an attorney, and exactly what happens from the moment you contact us to the moment the insurer has no choice but to settle.
Most people looking for help with an insurance dispute imagine the same thing: hiring someone to represent them, negotiate on their behalf, or write a strongly worded letter. That model has a fundamental problem. Representation requires a big financial incentive, and property damage claims are simply too small and too much work for an attorney to care about. Personal injury is where the money is. Your car’s diminished value or underpaid repair is, to most lawyers, a nuisance. A distraction. Something to wave off.
We exist precisely for those claims. What attorneys dismiss as crumbs, we collect systematically. You formally assign your claim to us through a legal assignment agreement. At that moment, the claim is no longer yours. We own it. We step into your legal position as the rightful claimant. The insurer is no longer dealing with a frustrated vehicle owner or an unmotivated advocate. They are dealing with a professional claim processing company that has the standing, the resources, and the legal mechanism to force a resolution.
This is called a claim assignment. It transfers to us all rights arising from your loss — repair costs, actual cash value, diminished value, loss of use, bad faith damages, and penalties. It is the same legal mechanism used in commercial insurance and healthcare receivables. It is enforceable in all 50 states. Think of us as claim collections: we take on the accounts nobody else will chase, and we chase them hard.
Most auto insurance policies contain an appraisal clause, a provision that allows either party to demand an independent valuation when there is a dispute over the amount owed. Invoking it costs money. Most policyholders cannot afford to invoke it and never do. When you assign the claim to us, we invoke it at our expense. The insurer cannot ignore an appraisal clause invoked by a legal claimant with a licensed independent appraiser. That is the mechanism everything else runs through.
An assignment of claim is a legal document transferring your rights as the claimant to us. It is not a power of attorney. It is not a retainer agreement. You are not hiring us to act on your behalf. You are assigning us the claim — conveying and transferring to Claim Logistics all rights, claims, and interests arising from your loss, including repair costs, actual cash value, diminished value, loss of use, and any applicable bad faith damages or penalties.
The moment the assignment is executed, you exit the dispute entirely. No more calls with adjusters. No paperwork to track. No decisions to make about whether to accept an offer or keep fighting. We made that calculation when we evaluated the claim. From that point forward, the outcome is our responsibility, not yours.
Your Situation
- ✗You are the claimant — every decision falls on you
- ✗Appraiser fees run $400 to $800 before any recovery
- ✗Attorneys won’t touch it — property damage is not worth their time
- ✗Insurer waits, delays, and counts on you giving up
- ✗Uncertain timeline, uncertain outcome, all risk on you
Your Situation
- ✓You assign the claim and no longer deal with the insurer
- ✓Zero financial exposure regardless of what happens next
- ✓No communications to manage, no calls to take
- ✓We own the claim and bear all cost and legal risk
- ✓You receive your agreed share of whatever we recover
Once the assignment is signed, we handle everything. You are done. Any recovery we obtain above our costs gets split with you per the agreement. If we recover nothing beyond what the insurer already offered, you owe us nothing. The risk transferred with the claim.
Fair question. Blunt answer: Attorneys DON’T WANT your property damage claim. Period.
Personal injury is their business. Bodily injury is their business. The car itself is an afterthought.
Think about every attorney billboard you have ever seen, every late-night commercial with a guy in a suit pointing at the camera. “We fight for you.” Have you ever once heard them mention diminished value? A fair total loss offer? Never. Because there is no seven-figure settlement hiding inside a disputed ACV calculation. There is no lottery ticket in your totaled Honda. So they do not talk about it, and they do not take it.
The attorney business model runs on medical bills. The bigger the injury, the bigger the settlement, the bigger the contingency cut. That is the math they care about. Your car is a line item. A nuisance. Something they tolerate on the intake form while they figure out whether your back pain is worth their time.
And here is what actually happens when your injuries are not severe enough to justify their fee: they take the call, make it sound promising, then refer you to a smaller firm. That firm refers you to an even smaller one. Months pass. Your property claim ages out while you are being bounced down the food chain. Eventually someone drops you with a form letter, your statute of limitations window is tighter, and the insurer has been sitting on a low offer the entire time counting on exactly this outcome.
An independent appraiser is a PDF salesman. That is the product. They produce a valuation document, email it to you, and their job is done. What you do with it is entirely your problem.
They do not invoke the appraisal clause. They do not communicate with the insurer. They do not follow up, escalate, or fight when the carrier ignores the report or challenges its methodology. You pay $400 to $800 flat, upfront, whether the insurer accepts the number or laughs at it. The risk is yours from the moment you wire the money.
The quality gap in this space is also real. Licensure varies by state. Peer review is rare. Some of these reports would not survive five minutes of scrutiny in a formal appraisal process. We know because we see them. When we retain an appraiser, we verify their licensure, check whether they have been peer reviewed, whether they have publications or patents in the field, and whether they have ever been excluded from testimony. Then we pay them ourselves and absorb the outcome.
If you have $600 to spend upfront, trust your ability to vet an appraiser, know how to invoke the appraisal clause, and are comfortable negotiating directly with the insurer’s team after the report lands, then hiring one is a reasonable path.
Our business exists for everyone else. People who do not want to front the money, do not want to take the risk, and do not want to manage a process that was designed to make them give up. The personal injury machine and the appraisal-for-hire industry were never built to fight for the difference between what your car was worth and what the insurer decided to pay. That is not their inventory. It is ours.
| Claim Logistics | Attorney | Independent Appraiser | |
|---|---|---|---|
| You pay upfront | ✓ Never | Retainer or rejection | $400–$800 flat, win or lose |
| Takes small property claims | ✓ Yes | ✗ Minimum thresholds apply | ✓ Yes |
| Invokes the appraisal clause | ✓ At our expense | After you remind them a dozen times | ✗ No |
| Owns the claim risk | ✓ We do | ✗ You do | ✗ You do |
| Communicates with PD adjuster | ✓ We handle everything | Maybe at 5PM on a Friday afternoon | ✗ No |
| Vets and pays the appraiser | ✓ We do | They pass the cost to you | ✗ You do |
| You owe anything if no recovery | ✓ Never | You may owe case debt and invoices | ✗ You already paid |
| Incentive to maximize your outcome | ✓ Yes — we only profit on the upside | To close, not to maximize | ✗ None — report is the product |
Straightforward claims typically resolve within two to four weeks of the appraisal clause being invoked. Here is exactly what that process looks like.
Tell us about your vehicle, the accident, and what the insurer offered. This takes about five minutes. No paperwork, no forms, no upfront commitment. We need the basics: vehicle year, make, model, estimated pre-accident value, repair costs or total loss figure, and the insurer’s name.
We evaluate the claim using our proprietary methodology built over 20,000+ handled cases. We look at the insurer’s offer against what an independent appraisal is likely to establish, factor in the specific insurer’s known patterns, and determine whether we have a viable path to recovery. We tell you honestly if the claim does not meet the threshold. No charge, no obligation.
If we determine the claim is viable, we present you with an assignment agreement. You formally assign all rights and interests in the claim to Claim Logistics — including repair costs, actual cash value, diminished value, loss of use, and any applicable bad faith damages. From that moment, the claim belongs to us. You are done.
We formally invoke the appraisal clause in your insurance policy. We retain a licensed, independent appraiser at our expense. Their appraisal goes head-to-head with the insurer’s. If the two appraisers cannot agree, a neutral umpire makes the call. This is a legally binding process the insurer cannot ignore or delay indefinitely. They must participate.
Once the appraisal process concludes and we recover additional value from the insurer, we distribute your agreed share of the proceeds. If we do not recover beyond the insurer’s original offer, you owe us nothing. The risk transferred with the claim the moment you signed.
No. The appraisal clause is a contractual provision in the policy itself. When we invoke it as the legal claimant, the insurer is contractually obligated to participate. It is not a request. Refusal to engage exposes them to bad faith claims in many states.
Because property damage is not profitable for them. Personal injury attorneys are compensated on a percentage of settlements that routinely run into six or seven figures. A diminished value claim or a total loss dispute rarely clears $10,000. The hours required are nearly identical, the return is a fraction, and it competes with their actual business. That is not a knock on attorneys — it is just how the economics work. We built our entire operation around the claims they will not touch.
If you accepted payment but have not signed a release of liability, your claim may still be assignable. This is one of the most common misconceptions we encounter. Accepting a check and signing a release are not the same thing. Contact us before assuming the window is closed.
You receive valuable consideration at signing plus a contractual share of any recovery above the insurer’s original position. The assignment agreement specifies your share before you sign anything. You know exactly what you stand to receive before you commit.
No. You may receive a request to provide documentation you already have, such as maintenance records or photos, but you will not be managing communications, making decisions, or dealing with the insurer in any capacity. That is our job from the moment the assignment is executed.
The appraisal process produces a binding award. An insurer who refuses to honor it faces legal consequences, including bad faith exposure in states that recognize it. We have the experience and the professional relationships to pursue non-compliant insurers through whatever follow-on process is required. That cost is ours, not yours.
Property damage claim assignments are legally recognized and enforceable in all 50 states. State-specific rules around appraisal clauses, statutes of limitations, and diminished value obligations do vary, which is part of what we assess when we evaluate your claim. We will tell you if your state presents any specific constraints.
Your Claim. Our Fight. No Cost to You.
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