FIRST MONTH FREE+50% OFF FOR LIFE

Dot & CrossReserve my spot
Total-loss lowball offer

Insurance lowballed your totaled car? You can fight that.

Insurers routinely use comparable vehicle comps that aren't actually comparable. State insurance commissioners have specific rules about valuation methodology. We force fair-market valuation and document the comparable adjustments.

FREE

first month

50% OFF

for life

+1 mo

per friend

No limit on number of discounts·No credit card required*

Sound familiar?

If any of this is happening to you, we can help.

Total-loss offer is well below your car's actual market value

Insurer used 'comparable' vehicles in worse condition

Insurer ignored options, mileage, or recent maintenance

Refused to consider local market conditions

Trying to apply 'betterment' deductions you weren't notified about

How we handle it

The procedural side, on autopilot.

We audit the comp set

Comparable vehicles must actually be comparable — same year, model, mileage range, condition, options. We pull the comps and flag discrepancies.

We invoke state valuation rules

Most state regulations require fair market value methodology, not lowest-comp pricing. We cite the specific regulation and demand reconsideration.

We file department of insurance complaints

State insurance commissioners enforce these rules. Complaints get investigated and frequently force the insurer to revalue.

Locked in for waitlist members only

half off. forever.

Month one

Subscription

$19FREE

$19 subscription waived for the first month.

Every month after

Subscription

$19
$9.50/mo

50% off the subscription, locked in for life.

Stack more free months · No cap

1 month free — for you and your friend.

Forward your share link to anyone who’s gotten screwed by a bill, a denial, or a landlord. When they sign up and make their first transaction, you both unlock a free month.

Common questions

Answered.

  • Most consumer disputes don't need a lawyer when the procedure is followed correctly. Dot & Cross handles the procedural side end-to-end and refers to an attorney only when one is genuinely required.
Closes the day we launch

First month free. 50% off for life.

Two minutes to lock in your founders deal.

No limit on number of discounts·No credit card required*

Fine print

  • Founders deal — First month of subscription is free for waitlist members ($19 base fee waived). After the first month, waitlist members pay 50% off the standard subscription rate ($9.50/month instead of $19), locked in as long as you remain a member. Per-action fees (certified mail, agency filings, notary services) still pass through at cost. No contingency cuts on what you recover. Offer closes when we open to the public.
  • Referral program — When a friend signs up through your share link and makes their first transaction of $5 or more (any subscription or per-action charge), you and your friend each unlock 1 free month of subscription. There is no cap on how many free months you can stack. Free months don’t expire and are not clawed back if your friend later cancels.
  • Email & privacy — No credit card required to join. We won’t email you again until we’re live. Cancel your subscription anytime after launch.