Ottervale · An auto insurer

Total-loss valuation, built on the live market

Adjusters value a damaged car against live listings and settle with the comparables attached.

Ottervale Claims' comparables table: live listings near the loss, each adjusted to the insured car's kilometres

About 45 minutes, or 5 to clone and run.You need Node 20 or later and pnpm, a Cardog API key, some Next.jsClone the finished appgit clone https://github.com/cardog-ai/example-claims-valuation.gitRead the build guide

The calls behind it

What Ottervale asks Cardog

Every call runs on the server through @cardog/api. The key never reaches the browser.

#CallWhat the app does with it
01cardog.v2.vin.getByVin(vin)Decodes the claimed vehicle and returns the refs the other calls take.
02cardog.v2.quotes.getByRef(modelYearRef)Asking-price quartiles for the model year: the market range.
03cardog.v2.listings.search({ filters, pagination })Live listings of the same model near the loss: the comparables.
04cardog.v2.recalls.entity(modelYearRef)Recalls issued for the model and year, for the adjuster.

Ottervale

The total-loss test on one sheet

Actual cash value from adjusted comparables, set against the repair estimate.

Ottervale Claims' total-loss test: actual cash value from adjusted comparables against the repair estimate
  1. Value from comparables

    The mean of comparables adjusted to the car's kilometres.

  2. The threshold line

    The repair estimate against the share of value you set.

  3. Recalls on the file

    Issued for the model and year, on the adjuster's desk.

The finished app

What Ottervale does

Screens from the running sample app. Pick one.

Ottervale's report-a-claim form with a VIN entered and the 2021 Honda Civic LX it decodes to