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Last updated 2026-08-10 · Version 2026-08-10.productb1
This document is a working draft pending review by legal counsel. Wording may change before launch.
These Terms of Service govern your purchase and use of Claimly Auto's vehicle valuation and appraisal services, reports, educational materials, and related services. Please review these Terms carefully, particularly the sections concerning the nature of our services, valuation limitations, refunds, and dispute resolution.
Claimly Auto provides independent vehicle valuation and appraisal services.
Depending on the product you purchase, we may provide a diminished value appraisal, total loss valuation report, supporting exhibits, educational materials, and document templates intended to help you understand and present valuation information relating to your vehicle.
Every completed Claimly Auto valuation report is reviewed and signed by a human appraiser who is responsible for the final opinion of value.
Claimly Auto is not a law firm and does not provide legal advice.
Claimly Auto is not an insurance company and does not make insurance coverage, liability, or claim-payment decisions.
For our standard report products, Claimly Auto does not act as your public adjuster, represent you in settlement negotiations, negotiate your insurance claim, or submit your claim or report to an insurer on your behalf. You decide whether and how to use the materials we provide.
Educational materials, templates, and general information provided by Claimly Auto are for informational purposes and are not a substitute for advice from an attorney or other appropriately licensed professional.
A Claimly Auto appraisal represents the appraiser's professional opinion of vehicle value based on the information and evidence reasonably available at the time of the valuation.
Valuations may consider information including vehicle specifications, mileage, condition, accident and repair history, market data, comparable vehicles, documents you provide, third-party information, and other factors the appraiser considers relevant.
Different appraisers, insurers, data providers, or other parties may reach different conclusions regarding vehicle value.
Claimly Auto does not guarantee that an insurer or other party will accept our report, change a valuation, make a payment, increase a settlement offer, invoke or participate in an appraisal process, or produce any particular financial or legal outcome.
A Claimly Auto report does not determine insurance coverage, liability, legal entitlement to payment, or the enforceability of any insurance-policy provision.
You agree to provide information that is accurate and complete to the best of your knowledge.
You are responsible for reviewing information you submit, including information concerning your vehicle, mileage, trim, options, condition, accident, repairs, claim, and insurance documentation.
Claimly Auto may rely on information and documents you provide when preparing your report. Materially inaccurate, incomplete, altered, or fraudulent information may affect the accuracy of the valuation and may result in cancellation of the service without delivery of a report.
You represent that you have the right and authority to submit any documents, photographs, records, or other materials you provide to Claimly Auto.
A diminished value report provides an appraiser's opinion concerning the effect an accident and related history may have had on the market value of a vehicle.
The report does not determine whether an insurer or any other party is legally responsible for paying a diminished value claim.
Claim eligibility, legal rights, insurance coverage, and recoverability vary depending on the circumstances and applicable law.
A standard Claimly Auto total loss report provides an independent opinion of vehicle value using the valuation standard identified in the report.
Where appropriate, Claimly Auto may also provide general educational information concerning total loss disputes or an appraisal provision contained in an insurance policy, together with a template that you may review, modify, and send yourself.
The availability or enforceability of an appraisal provision depends on the applicable policy and law. Educational materials and templates provided by Claimly Auto do not constitute legal advice or a determination that you have a legal right to invoke appraisal.
For the standard Total Loss Valuation Report product, Claimly Auto does not invoke appraisal for you, negotiate with your insurer, or serve as your designated appraisal-clause appraiser unless you separately purchase a Claimly service expressly providing for that role.
The Appointed Total Loss Appraiser service is a separate, optional, flat-fee professional service, distinct from our report products. When you purchase it, an independent certified appraiser from the Claimly Auto network is formally appointed by you to serve as your appraiser under the appraisal provision of your own automobile insurance policy, for a first-party total-loss valuation dispute.
The appointed appraiser's role is limited to: independently determining the actual cash value of your vehicle; reviewing market comparables; exchanging valuation evidence and methodology with your insurance company's appraiser; seeking agreement on the amount of loss; participating in the selection of an umpire where your policy permits; participating in appraisal deliberations; and, where permitted, signing an appraisal award.
The service does not include, and neither Claimly Auto nor the appointed appraiser will provide: legal advice; interpretation of insurance coverage; determinations of fault or liability; advice to accept or reject any settlement; negotiation of any matter other than the value of the vehicle; or public-adjuster services. You remain responsible for properly invoking the appraisal provision and complying with your policy's requirements; your policy's language controls the appraisal process. Purchasing the service does not guarantee any particular appraisal outcome or any higher settlement.
The service is available only in certain states, only for first-party total-loss disputes, and only after you complete the required acknowledgments at checkout. Fees are flat and non-contingent: the amount shown at purchase, or the applicable upgrade amount when added to an existing total-loss report order. The appointed appraiser is compensated by Claimly Auto on a flat basis that does not depend on the outcome of your appraisal. Each appointment is governed by the Appointment Agreement, and refunds for the service are governed by the Refund Policy.
Certain preliminary estimates and service-eligibility results may be generated automatically based on information you provide and Claimly Auto's service criteria, including jurisdiction, vehicle, claim, and product requirements.
A preliminary estimate or eligibility result determines only whether your submission appears suitable for a Claimly Auto service. It is not an appraisal, legal determination, insurance coverage determination, settlement prediction, or guarantee of recovery.
Claimly Auto may decline, cancel, or refund an order when we determine that a purchased service is unavailable or inappropriate for the submitted circumstances.
Prices are disclosed before purchase and are charged as one-time flat fees unless a product is expressly identified otherwise.
Claimly Auto does not charge a percentage of your insurance recovery or settlement.
Payments are processed by Stripe. Applicable prices, taxes, and payment terms are displayed before checkout is completed.
If Claimly Auto determines that a purchased service is unavailable because the submission does not satisfy our applicable service criteria, we may cancel the order and issue a refund.
Additional refund eligibility, exclusions, timing, and procedures are described in our Refund Policy, which is incorporated into these Terms and made available before purchase.
Nothing in these Terms limits refund or cancellation rights that cannot lawfully be waived.
You may use an authentic Claimly Auto report for purposes reasonably related to the vehicle, valuation, insurance claim, dispute, transaction, or proceeding for which it was prepared.
You may provide the report to relevant third parties, including an insurer, attorney, repair facility, financial institution, appraiser, mediator, arbitrator, court, or governmental authority.
You may not materially alter the appraiser's valuation conclusions, methodology, signature, credentials, comparable-vehicle evidence, or other substantive portions of a Claimly report and represent the altered document as an original or unmodified Claimly Auto report.
Claimly Auto may maintain verification information associated with issued reports for authenticity and recordkeeping purposes.
By using the service and providing the required consent, you agree to receive eligible records electronically and to use electronic signatures as described in our E-SIGN Consent.
Documents, photographs, information, and other content you submit are subject to our Acceptable Use & User Content terms and Privacy Policy.
You grant Claimly Auto the limited rights reasonably necessary to receive, store, process, analyze, and use submitted materials to provide the services you request, maintain associated workfiles and records, provide customer support, protect the service from fraud or misuse, and comply with applicable legal obligations.
Our collection and use of personal information are described in our Privacy Policy.
Technology, including AI-assisted tools, may support portions of the report-preparation process as described in our AI & Human Review Disclosure. AI does not independently issue Claimly Auto's final opinion of value.
You may not use Claimly Auto to submit fraudulent, fabricated, misleading, unlawfully obtained, or materially altered information; impersonate another person; misrepresent a Claimly report; interfere with the operation or security of the service; or use the service for an unlawful purpose.
Claimly Auto may suspend or terminate access to the service where reasonably necessary to address suspected fraud, unlawful activity, security threats, or material violations of these Terms.
[This section — final warranty disclaimers, liability limitations, third-party data provisions, and any required state-specific exceptions — will be supplied by legal counsel.]
[This section — dispute-notice procedure, arbitration terms, small-claims provision, class-action terms, arbitration opt-out if applicable, governing law, venue, and state-specific exceptions — will be supplied by legal counsel.]
[This section — severability, waiver, assignment, force majeure, entire agreement, and related standard contract terms — will be supplied by legal counsel.]
We may update these Terms from time to time.
The version and effective date applicable to a purchase will be the version presented or made available to you when you agree to the Terms for that transaction. Material changes affecting future use of the service will be posted with an updated effective date and, where required, additional notice or consent will be provided.
Questions concerning these Terms or your Claimly Auto order may be submitted through our Contact page.