一句话AI驱动的车险与租房险理赔工具，零预付、仅在帮用户多获赔时收取差额的10-15%服务费
定价风险代理（仅对理赔增量收费） 无预付费用、无订阅费；成功收费标准为保险公司初始报价与最终和解金额差额（delta）的10%-15%；若未帮用户提高赔付金额则0费用
适合谁['美国车险理赔用户', '美国租房险理赔用户', '认为保险初始赔付报价过低的消费者', '无预算聘请保险律师的普通投保人']
核心功能60秒内AI解析保险保单条款，将保障限额、除外责任、免赔额等转化为通俗表述事件证据收集引导：带时间戳的照片上传、证人信息关联、警方报告对接，AI提前标记缺失证据Claim Score理赔评分：比对保单条款、同类和解案例、市场维修成本，即时显示保险公司报价与应赔金额的缺口一键生成FCRA合规索赔函，自动追踪保险公司回复截止期限透明的和解进度追踪系统
AI能力与模型AI extracts coverage limits, exclusions, deductibles, and endorsements from uploaded policy PDFs or photos; guides evidence collection; flags missing evidence; compares insurer offers against policy terms, comparable settlements, and market
典型用例Auto insurance rear-end collision claims, renters insurance water damage claims, totaled vehicle valuation disputes, checking whether an insurer’s initial offer is below policy entitlement, organizing evidence before sending a demand letter
免费额度/试用Free claim analysis is always available; no credit card required. Users pay only if ClaimMax improves the payout.
定价Success-fee model: 10–15% of the recovery delta between the insurer’s first offer and final settlement. No upfront cost, no subscription, zero fee if outcome is not improved.
API与集成Mentions police report linkage and insurer response deadline tracking, but does not provide API, third-party integration, or developer access details.
输出质量与局限Outputs include plain-English policy analysis, Claim Score, evidence checklist feedback, and demand letter drafts. Limitation: ClaimMax states it provides claim education and document organization, not legal advice; all insurer communicatio
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适用场景['车险（追尾碰撞、车辆全损等）理赔索赔''租房险（水渍损失等个人财产损失）理赔索赔''对保险公司初始赔付报价有异议的理赔协商''无律师预算的普通投保人的理赔维权']