Review the insurer's valuation before the deficiency becomes a charge-off.

When a financed vehicle is a total loss, the insurer pays its actual-cash-value figure toward the payoff. If that figure is low, the shortfall stays on the loan as a deficiency balance, against collateral that no longer exists. Each borrower who takes part first gets a free, independent review of the insurer's valuation, and we tell them plainly whether the offer looks fair. When it looks low and the policy's appraisal clause is available, the borrower can appoint us as their appraiser in the states we serve, and a higher settlement comes off the deficiency dollar for dollar until it is gone. We never promise an appraised value, a settlement increase, or a reduction in your exposure.

The insurer's total-loss desk requests a payoff quote or letter of guarantee from the lienholder early in the process — usually before the borrower has accepted anything. That payoff request is the moment to refer, within one business day: the free review can start while the offer is still open, instead of after the borrower has signed a release.

Your choice, per program or per referral: lender-paid (you pay the fee, and the borrower pays nothing for the review or the engagement), split-pay (you subsidize a fixed amount or percentage), or borrower-paid (the borrower pays the standard price and you simply refer). For borrowers whose GAP contract covers the deficiency, we recommend lender-paid. Otherwise the borrower pays for a result that mostly benefits you, which is both a hard sell and hard to defend. The borrower's share of an umpire's fee, if one is needed, stays separate.

The review still tells the borrower whether the offer is fair. The appraisal clause is a term of the borrower's own policy: unless state law requires one, a policy may omit it, and it gives no right against another driver's liability insurer. The options then include asking the insurer to agree to an appraisal and using our Appraisal Research to support the borrower's own negotiation, though a report alone doesn't obligate the insurer to do anything.

Never. Two consent-first paths: we send one co-branded invitation by email that the borrower activates themselves, with no reminder sequence, or — for warm handoffs — your team reads our short disclosure script, hears a clear yes, and attests it in the portal, and only then does our staff reach out. Every contact records its consent trail.

We review offers as a service to you, to reduce the deficiency a total loss leaves on your loans. We designed the program around two GLBA exceptions: the service-provider exception (§502(b)(2); 12 C.F.R. §1016.13), because the review is a service we perform for you, and the processing-and-servicing exception (§502(e)(1); 12 C.F.R. §1016.14), because it supports servicing the borrower's own loan. Whether they apply to your program is your determination. We also recommend you obtain the borrower's consent (§502(e)(2); 12 C.F.R. §1016.15(a)(1)). Whichever basis applies, our Master Service Agreement limits our use of the data you share to delivering the program: we never sell it, and we never use it to market our other products to your borrowers unless the borrower separately consents and your agreement allows it. Once a borrower becomes our customer, our privacy policy covers what they give us directly, and they can opt out of marketing at any time. The Master Service Agreement, disclosure script and data-handling terms are all reviewable before you sign. Origination-time pre-authorization is not part of the standard program today — ask us if that is how your book is structured.

Three ways: one at a time in the portal, CSV bulk upload (up to 500 rows with per-row program overrides), or the REST API with HMAC-signed webhooks pushing every status change back to your loan-servicing or collections system. API keys and webhook endpoints are self-service in the portal.

A lender-facing timeline for every referral — invitation, activation, the review, Appraisal Research, appraisal milestones, settlement — plus a financial panel showing the insurer's offer, the appraised value, the current best offer, the final settlement, and your exposure before and after, from the payoff you enter. Analytics aggregate savings vs spend by month, market, and insurer, with CSV export for finance.

Your borrowers' review is free. At launch, we charge our fee once, when the amount of loss is determined: when the appraisal award is signed, or when we confirm the claim settled after the borrower appointed us. If we can't confirm it, we don't charge. Standard pricing is a flat $495 per consultation for the Appointed Appraiser Service, with no platform fee and no minimums. Pay by card on file, or by invoice on the terms set for your institution. Volume and program pricing are set in your Order Documentation.

Apply with your work email's Google account, or book a walkthrough and we'll help you apply. Once you're approved (usually within one business day), you e-sign the MSA in the portal, add billing, and set your program defaults. Portal onboarding usually takes days.