We Help Lenders
Recover the losses your portfolio is writing off.
Insurance shortfalls on damaged collateral average 30% — on repair estimates and on total loss payouts alike. We manage claims from the point of loss to the point of recovery, so predictable losses become recoveries instead of charge-offs.
Maximize recoveries. Minimize charge-offs.
Where The Money Leaks
Three recovery streams most lenders never collect
Total loss recovery
Insurance payouts on total loss repossessions run ~30% short on average. We establish accurate vehicle values with Motor Vehicle Certified Appraisals and close that gap before it becomes a charge-off.
Subrogation capture
Subrogation opportunities invariably fall through the cracks — or are never identified at all. We manage claims from point of loss to point of recovery so offsets stop leaking.
Diminished value recovery
A repaired vehicle with an accident history is worth less at repossession. You don't have to accept diminished value as a write-off — we recover it, including claims paid to borrowers pre-repossession.
Documented lender result — Martin Motors, Beaumont TX
Avg loss / totaled loan, before
$6,500
With ACS
$3,500
−46% loss severity · sustained 7+ years
“The benefit of using an Auto Claim Specialists Public Insurance Adjuster has been staggering… I wish every lender in the industry could find out that they do not have to take the original offer of settlement from the insurance company.”
Lender FAQs
How much do insurance shortfalls actually cost lenders?
In our experience, gaps between insurance repair estimates and actual repair costs average 30% — and the same 30% average applies to insurance payouts on total loss repossessions. Across a portfolio, that is a large, predictable, and mostly recoverable loss.
What results have lenders seen with Auto Claim Specialists?
Martin Motors in Beaumont, Texas was losing an average of $6,500 per totaled financed vehicle before engaging ACS. With ACS handling total loss claims, that average dropped to $3,500 — a 46% reduction in loss severity that has held for over seven years.
How does the engagement work for a lender?
We act as public insurance adjusters managing claims against your insured collateral from the point of loss to the point of recovery — accurate certified appraisals, subrogation identification, and diminished value recovery. Contact us and we'll scope it against your portfolio.
Free Claim Review
Add an Auto Claim Specialist to your team.
Tell us about your portfolio and we'll show you where the recoverable losses are — from repair short-pays to total loss and diminished value.
800-736-6816Toll-free, nationwide
Start your free claim review
No cost. No obligation. 24-hour response.