About ClaimMath
ClaimMath reads the valuation report an insurer produces when it declares a car a total loss, checks it against the settlement rules of the state the claim is in, and shows what does not hold up. That much is free. If you want the findings turned into a letter you can send, that is $39.
Why it exists
Total-loss valuations are produced by software, from a method that is written down. Most people never see the report behind the number, and the ones who do have no way to tell whether the comparable vehicles or the condition deduction meet the standard their state sets. That asymmetry is the whole problem, and it is a documentation problem rather than a legal one — which is why a tool can address it.
How the rules are established
50 states are published, with 446 fields confirmed against a primary source, quoted, and dated. A field the sources do not settle is marked and left open — Texas and Michigan have no total-loss valuation regulation at all, and saying so plainly is more useful than filling the gap with something plausible. The full method, and every correction since publication, is on how we verify.
How it makes money
One charge, $39, for the counteroffer packet. There is no subscription, no upsell, and nothing recurring. We are not paid by anyone else — no referral fees, no advertising, and no arrangement with any law firm, repair shop or insurer. The audit is free because the packet is the product, not because your attention is.
What it deliberately does not do
- It does not contact your insurer. You send everything yourself.
- It does not tell you what to do about your particular situation. Everything here is information and a document you review.
- It does not claim a success rate. We have not measured one, and until we have, publishing a figure would be making it up.
- It does not store your valuation report. The file is read once and discarded — see privacy.
Who runs this
Brandon Sorensen
Founder and editor · ClaimMath
ClaimMath is independently operated by Brandon Sorensen. One named person is answerable for every rule in the ledger and every sentence on the site, which we think is worth more than a masthead nobody signs.
Brandon Sorensen is not a lawyer, and this is important rather than a formality: everything here is research and self-help. Every rule cites the statute or regulation it came from, by section, with the day it was last read — so you can check it, and so you can walk into a conversation with a licensed attorney in your state knowing what to ask.
Research and drafting are assisted by software, including language models. Nothing published here rests on that: a rule enters the ledger only when the primary source was read and a verbatim quote was taken from it, and anything that could not be confirmed is labeled unverified rather than filled in. The checks that produce your findings are ordinary deterministic code, not a model deciding what your claim is worth.
Found an error in a state rule? Say which state and which field and email claimmathteam@gmail.com. It gets checked against the source and a dated correction is published either way — including when we were right, because a changelog that only records losses is not a record.
Getting in touch
Email claimmathteam@gmail.com, or reply to any email from us. There is more detail, including what to include so a question gets answered in one round trip, on the contact page.
ClaimMath publishes information about insurance claim valuation rules and prepares self-help documents that you review and send yourself. It is not a law firm, public adjuster, or licensed appraiser, and nothing here is legal advice or a substitute for it.