Built for anyone insurance confuses, and anyone it lowballs.
Koala starts long before a claim: it's for people trying to make sense of what they pay for and what it actually covers. And when an offer comes back low or a claim is denied, it helps you push back — no lawyer on retainer, no public adjuster taking a cut.
Early beta · be one of the first
If any of this sounds like you, Koala is for you.
Koala is for anyone who wants to understand their own insurance — and it's built to get an auto or homeowner claim paid fairly if one goes wrong, without handing over a percentage. These are the moments it matters most.
The offer came in low
The check feels short of what your loss is actually worth, but you can't prove it on your own.
Your claim was denied
The denial letter is dense and vague, and you're not sure whether it even holds up.
A total loss, undervalued
The adjuster's number skipped comparable sales, sales tax, or registration on a replacement.
Property damage, underpaid
Roof, hail, or water damage was scoped low, or whole line items went missing from the estimate.
You'd rather keep your money
A public adjuster wants 10% to 15%. A lawyer wants a third. You'd rather not give up a cut of your settlement.
You need leverage today
You want comparable settlements and a demand letter now, not after months of back-and-forth.
A claim, start to finish.
Hypothetical, not a real customerThe scenario below is invented to show how Koala works. It is not a testimonial, an endorsement, or a promised result. The names and numbers aren't real, and every actual claim is different.
The setup
A driver's car is totaled. Their insurer offers $8,200 to close the claim. It feels low, but they have no way to prove it, and no lawyer on call.
- 01Intake
Koala reads the adjuster's valuation, the policy, and the photos of the car, then pulls out the facts: year, make, model, mileage, condition, and the $8,200 offer.
- 02Research
It finds comparable vehicles selling for $11,500 to $13,000 nearby, and the Texas statute that governs a fair total-loss settlement.
- 03Analysis
It puts fair value at $11,500 to $13,600, flags the sales tax and registration the offer left out, and rates the $8,200 a high lowball risk: a gap of about $4,300.
- 04CheckpointYour call
Before a single word is drafted, the driver reviews every finding and approves. Nothing leaves Koala without their say-so.
- 05Drafting
Koala writes a plain-English Koala Report and a firm demand letter that cites the comparable sales and the statute by section.
- 06Delivery
The driver downloads both PDFs and sends the demand to their insurer the same afternoon.
Sample analysisIllustrativeFair value
$11,500 to $13,600
fair − offer = $3,300 to $5,400 underpaid
A gap of about $4,300 versus the $8,200 offer.
Illustration
Real customer results, coming soon.
Koala is in early beta. Rather than invent testimonials, we're keeping this space for the real thing: verified outcomes from real policyholders, shared with their permission, as claims come through.
Be one of the first. Run your claim through Koala, and (if it helps and you're willing) your verified result could be the first one shown here.
Koala does not publish fabricated reviews. It is not a law firm; results vary by claim.
Start where it makes sense
Stop guessing what you're paying for.
Ask Koala how any of it actually works and get a straight answer from something with no commission riding on it. Then, if you want, see what your coverage should cost. You won't need a card, and nobody will call you.
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- Lines of insurance estimated
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- Recommendations: the choice stays yours
- Shown
- The math behind every figure
- Estimates, never quotes or offers
- Koala sells no insurance and takes no commission
- Not a law firm · not legal advice