Is Your Insurance Offer Fair?
Get a Second Opinion in Seconds.
Before you accept their first offer, use our free AI tool to see if your offer is fair. It’s 100% free, takes 2 minutes, and works for any major insurance company.
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It’s Not The Size Of The Check.
It’s How Much You Keep.
Most people think they need a lawyer to get more money. But accident lawyers take a 33% fee right off the top. At Mighty, we've seen that most cases are better off with AI negotiating and you keeping 100% of your money. And if the AI thinks you'll be better off with a lawyer, we'll recommend a vetted one in your area.
A Higher Offer With A Lawyer Doesn’t Mean More Money In Your Pocket.
To break even with a lawyer, they have to increase your offer by over 50%.
How To See If Your Offer Is Fair
Stan M. settled for $8,500
"Unbelievably easy. Clear advice, quick responses, and real results. I got far more than I expected from my settlement. Absolutely a 10 out of 10. I’d tell anybody to use it."
Jamie K. settled for $5,500
"Traditional personal-injury lawyers didn’t want my case and made everything feel slow. Mighty handled it quickly, gave great suggestions, and wrapped it up before anyone else would have even started."
How Valuation Works
A personalized valuation range that updates every time we get new information about your case.
Ask Mighty Anything. 24/7.
Mighty's AI is available 24/7 to answer questions about your case or the insurance process. Want to know whether more treatment will increase the value of your claim, about the pros and cons of hiring a lawyer, or even about mental and physical health challenges after an accident? Just ask.
Have we heard back from the insurance company on the counter-proposal?
We submitted the counterproposal 3 days ago. On average, insurers take 7 days to respond to counter offers.
Mighty watches your claim, so you don't have to. Any time something changes, we notify you instantly. Whether it's an updated police report or a new settlement offer from insurance, you'll be in the know.
Thanks, that was fast!
Great news, we were able to get the police report from NYPD at no cost to you. We forwarded it to the insurance company. Click here to access it any time.
FAQ
For many straightforward cases, yes. The math works like this: because accident lawyers take 33% off the top, they have to increase your insurance offer by 50% just for you to break even. So a $10,000 offer with a lawyer taking a $3,333 fee puts less in the pocket of an injured consumer than a $6,500 settlement with no lawyer, for instance. With Mighty, you keep 100% of the settlement. We focus on the actual money that hits your bank account rather than just the total settlement number.
If the insurance company refuses to make a fair offer, we will connect you with a vetted lawyer for a free second opinion. We’ll help you find a lawyer to guarantee they only get paid if they can improve your offer. If an lawyer isn't willing to make that guarantee, it’s a signal that your current insurance offer may already be fair.
Mighty is a legal technology company that empowers consumers after an accident to settle their accident claim for free without a lawyer. Mighty's AI gets your poilce report, medical records, and tells you what it thinks your claim is worth. Then ask Mighty's AI to submit your information to insurance and negotiate a fair settlement. Totally personalized. Totally free.
If you use Mighty's AI to get a Live Estimate, or you use Mighty's AI to directly settle with insurance, you pay Mighty nothing. The only time we make money is if you have a case that could benefit from a lawyer and we connect you with a vetted one in our network. In those cases, we may earn a lead generation fee from the attorney. The fee is paid by the lawyer and does not increase what you pay to the lawyer.
Your Live Estimate reflects the specific details of your case, which Mighty's AI combines with a rules engine written by Mighty's PI experts and a large language model built by one of the world's leading LLM platforms. Every time we get more information about your case, we update your Live Estimate to reflect what we've learned.
Yes. Mighty comes with no obligation. If you want to hire a lawyer, you can always do that.
You can still use Mighty for valuation, clarity, and second opinions. Many people use Mighty to understand whether their lawyer’s approach or offer is on track.
Yes. Mighty gives you transparent, data-backed information to help you understand your claim. You stay in control at every step.
Get started in minutes
Tell us about your case and Mighty's AI will tell you what it thinks it's worth. Then ask Mighty's AI to submit your information to insurance and negotiate a fair settlement. Totally personalized. Totally free. No bait and switch.