Wrecktotal is a trade name of ZHM Consulting Inc. ("Wrecktotal," "we," "us"). By ordering an audit or using wrecktotal.com you agree to these terms. Contact us at [email protected] for anything in them.
A one-time audit of the total-loss valuation report your insurer sent you. We compare each line of the report with current local listings for comparable vehicles. You receive two things by email: a marked-up audit showing which lines look supported, questionable, or not verifiable, and a draft letter you can send to your insurer yourself.
Wrecktotal is not an appraisal, legal advice, insurance advice, or public adjusting. We are not an insurer, a licensed appraiser, a public adjuster, an attorney, or a claims representative. We do not contact your insurer, negotiate for you, or take any share of a settlement. Listing prices are asking prices, not sale prices. We cannot promise that your insurer will change its offer. Your insurer decides.
The price is $39, charged once. Nothing renews. Payment is handled by Stripe, and the total shown at checkout is what you pay. We never see your full card number.
After you pay, email your valuation report (PDF or clear photos of every page), your ZIP code, and your car's mileage before the accident to [email protected]. Repair receipts are optional but help. Once we have everything, we email your audit within 2 business days. If anything is missing, we tell you what we need and the 2 days start when we have it. If we will miss the deadline, we email you before it passes.
You get a full refund of the $39 if we cannot produce a useful audit, if we deliver later than 2 business days after we have everything we asked for, or if the audit is not useful to you and you tell us within 7 days of delivery. Email [email protected]. We refund to the original payment method through Stripe; your bank decides how fast it appears, usually within 5 to 10 business days. We may decline orders outside our scope, such as commercial vehicles or injury and liability disputes, and refund them in full.
Rules for businesses that review insurance claims differ by state. In some states we are not taking orders yet. If you choose one of those states on our form, we add you to a list and do not charge you.
We use what you send only to prepare your audit and letter, answer your questions, and handle refunds, as described in our Privacy Policy. You keep ownership of your documents. You may use the audit and the letter however you like. You may not resell the audit or present it as an appraisal or as legal advice.
The audit relies on public listings and the documents you provide. Listings change, some vehicles have few comparable listings, and we mark any line we cannot verify. We work carefully but cannot guarantee that every error in a report will be found. The service is provided "as is." To the fullest extent the law allows, we are not liable for indirect, incidental, or consequential losses, or for any outcome of your claim, and our total liability for any claim relating to the service is limited to the amount you paid us. Nothing here limits rights you have by law that cannot be waived.
If something goes wrong, email us first at [email protected] and give us a chance to fix it. These terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Either of us may bring a claim in small claims court where it qualifies.
We may update these terms. The version in effect when you order applies to that order. The date at the top shows the latest version.