How it works
We guide you through your accident claim — and do all the work we can.
Five steps from accident to case-closed. You decide. We draft, send, track, and follow up.
Tell us what happened.
Two minutes of structured questions and one open prompt: in your own words, what happened. We collect the photos, the carrier offer letter, your policy declarations. We verify your identity (you only do this once).
Drafted by AI · AI reads everything you upload and asks for what's missing.
We open your case.
Claimoe gives your case its own email address. Your adjuster, body shop, and rental company all email there. Your personal inbox is copied on everything for transparency — but you never have to live in it.
Drafted by AI · AI sets up the case email, parses your policy, and identifies which workflows apply to your accident.
We draft. You approve.
Every email, every demand letter, every supplement request — we draft. You see it in the dashboard or over text. One tap to send. No autopilot. You stay the named author on every word that goes out.
Drafted by AI · Every draft is labeled "Drafted by AI for your approval." We don't speak for you legally.
We track and follow up.
Adjuster silent for seven days? We follow up. Rental cap about to expire? We file the extension. Appraisal clock running out? We invoke it. Carrier offer too low? We draft a comp-backed response.
Drafted by AI · AI watches your case 24/7 and only pings you when you need to decide something.
We close it out.
When recovery comes in, we verify the carrier paid the right number. We track your deductible refund. We close the loop on diminished value, loss-of-use, and any supplement still in motion. Then your case closes. We'll be here next time.
Drafted by AI · AI generates a one-page summary of what was recovered and what you saved.
What the AI does on its own
- · Parses adjuster emails and document uploads.
- · Drafts emails, demand letters, supplement requests.
- · Tracks every deadline (rental cap, appraisal clock, statute of limitations).
- · Follows up when your adjuster goes silent.
- · Compares offers against live local market data, every time.
What only you can do
- · Approve every outbound message before it sends.
- · Decide on settlement offers (we analyze; the call is yours).
- · Choose which body shop you trust.
- · Decide if you want to invoke the appraisal clause.
- · Sign anything that requires a signature.
When Claimoe hands off to a licensed professional
Some cases need a person, not an AI. If your claim value crosses $50,000, if liability is genuinely disputed, if injury surfaces, if your carrier is acting in bad faith — we route you to a vetted attorney or licensed adjuster in your state and hand them everything we've built so far.
We earn a referral fee from the professional network. You pay the professional's standard rates if you engage. We disclose this every time we make a recommendation.
Ready to hand it off?
Free to start. Upgrade only when you want us to send things on your behalf.