Here are the most common things people ask us. If you don't see what you need, reach out—we're here to help.
Frequently Asked Questions
What does Maximize Your Payout (MYP) actually do?
We help consumers negotiate with their insurance carriers after an accident by providing custom Vehicle Valuation Report based on real-world market data. Our platform then provides step-by-step negotiation scripts tailored to your report, empowering you to confidently present your case to the claims adjuster.
How is the valuation calculated?
Our software automatically gathers every comparable dealer-listed vehicle within a 350-mile radius of your ZIP code, then corrects for year, trim, options, mileage, accident history, maintenance, and aftermarket upgrades. Only the strongest comps make it into your report.
Why do I need this report?
Most carriers outsource total-loss valuations to vendors such as CCC Intelligent Solutions or AutoBid. Those reports are built to hit the lowest number that state regulators will allow, not the number that lets you replace your car. We give you an independently researched, fully documented counter-point that puts you back on equal footing.
How much more will this report garner me?
Clients typically see a 15%-20% bump over the first offer—often $1,200 to $3,500 on a mid-priced vehicle. Some see more, a few see less; the exact lift depends on your car, your market, and how far off the insurer's starting figure was.
What is ACV?
ACV (Actual Cash Value) is your car's current market worth—based on its make, model, age, mileage, condition, and local market. It's the number insurers use to decide your payout.
What is replacement value and how does this differ from ACV?
Replacement value is the cost to buy a similar vehicle in today's market, including taxes and fees. ACV (Actual Cash Value) is the figure insurers use—your car's adjusted market worth based on mileage, options, and condition. Replacement value is usually higher than ACV, and our reports highlight this gap so you can negotiate a fairer payout.
What are CCC and AutoBid?
CCC and AutoBid are third-party valuation tools insurers pay for. Their algorithms are designed to produce the lowest defensible Actual Cash Value (ACV). Other common tools include Mitchell, Audatex, and Tractable. We reverse-engineer these reports, point out missing comps, and back our numbers with fresh market data so you have leverage to push for a fairer payout.
Why will an insurer care about this report?
Because every state imposes "fair-claim-settlement" regulations. When you present a documented valuation and point out errors in the carrier's file, the adjuster must either match your evidence or explain—in writing—why they won't. Most find it easier (and cheaper) to raise the offer.
How fast will I receive my report?
You'll receive the full PDF report and ready-to-send email/letter templates within 24 hours (Monday-Friday) after checkout and receipt of your current settlement offer.
How fast will I receive a settlement?
Carriers vary, but when you hand them a bullet-proof report up front you eliminate weeks of back-and-forth. Our customers usually close within 1–4 weeks of sending the report.
What if my insurer has already given me a "final" offer?
No problem—most clients come to us after the first offer. Your new evidence-based report gives you fresh leverage for a supplemental payment.
Is there a money-back guarantee?
Yes. If using our report does not improve your payout by at least $500, simply email support within 30 days of settlement and we will issue a 100% refund of the $300 fee.
How does the money back guarantee work?
If your net improvement is < $500, email us the pre-purchase CCC (or similar) report and your signed final settlement. We refund the $300 within one business day—no forms, no phone tag.
What proof is acceptable for the money back guarantee?
We just require that you prove your initial and final offers, so we ask for the following documents: - Carrier valuation dated before you bought MYP - Signed settlement letter or EFT stub showing the final payout.
How long does it take to receive the refund?
We will process the refund and release funds within 1 business day of receiving acceptable proof. It'll likely take 3-7 days for the money to show in your account dependent on your bank or financial institution
Why do you ask for the CCC report and emails from my insurer?
They let us: (a) tailor your report so we don't miss key adjustments, and (b) verify your numbers instantly if a refund is due.
Will this work if I'm using the other person's insurance?
Yes, this report assists in all negotiations relating to a totaled vehicle.
Will this work if I don't have collision coverage?
Yes, if you weren't at fault and the other party has insurance.
Do I need this even if I have Gap Coverage?
Yes, this service is still valuable to you. GAP only closes the loan deficit after your auto claim is settled; a higher ACV lowers or eliminates the GAP payout and speeds up loan payoff.
What's the difference between my Agent, Broker, Adjuster, and Carrier?
- Agent / Broker – Sells and services your policy; has little control over claim amounts. - Adjuster – Investigates the loss and controls the purse strings. - Carrier – The insurance company obligated to pay your claim (e.g., State Farm).
Will this work if my car wasn't declared a total loss?
Our specialty is total-loss passenger vehicles. If your vehicle is merely "damaged," reach out to customer@maximizeyourpayout.com before purchasing so we can confirm fit.
What is a public adjuster?
A licensed advocate who negotiates on your behalf—but often charges 10%–25% of the payout and can drag the process out for months.
What is an appraiser?
A third-party valuation professional. Fees run $500–$2,000 plus a percentage of any increase. Courts respect them, but they slow things down and eat into your gain.
Can you talk to my insurance for me?
No. Doing so would invoke the appraisal clause, forcing each side to hire appraisers and potentially delaying settlement for 60-90 days.
What is the appraisal clause?
It's a clause in your insurance policy that allows either party to demand a formal third-party valuation when there's a dispute about your car's value. Once triggered, both sides must hire independent appraisers and agree on a neutral umpire. It's expensive, time-consuming, and legally binding—so most people avoid it unless absolutely necessary.
Does this trigger the appraisal clause?
No. Because you submit the report as supporting evidence, it stays within standard negotiation and the carrier can adjust the offer immediately.
Why does the valuation on my report differ from the quoted estimate?
Every order is hand-audited. If the estimate left out a rare option or a high-value comp, we correct it so your report is as defensible as possible.
How do you protect my personal data?
All data are encrypted at rest and in transit. We never sell or share your information outside the scope of producing your report and providing customer support.
How do I contact support?
Email customer@maximizeyourpayout.com or text us at the number provided in your confirmation email. We reply within one business day.