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How Koala works

Learn how your insurance works before you need it to.

Most people meet their policy for the first time on the worst day of their year. Koala flips that: tell it about your life once, see what your coverage should cost and why, and ask anything you don't understand. No claim required, and nothing behind a card.

Build your profile Been lowballed? Start here

Free to start · your profile, your estimates, and the guides cost nothing

The core experience

Three steps, and none of them involve a claim.

Koala is built for the years between claims: the long stretch where nobody explains what you're paying for.

  1. 01

    Build your profile

    Tell Koala about your home, your cars, the people you live with, and your pets. Once.

    This is your profile. Everything else on Koala reads from it, so you never re-enter the same details to get a different answer.

    Free

  2. 02

    See what it should cost

    Get an estimated annual range for every line of insurance your profile implies.

    Built from published state and national rate data, not quotes. Every figure links to exactly how it was calculated, so you can check the reasoning rather than trust a number.

    Free

  3. 03

    Ask what you don't understand

    What does an umbrella policy do? What can an adjuster ask me for? Why is this excluded?

    The Koala advisor is an AI that explains how US insurance works. It isn't a lawyer and won't advise on a specific dispute; it teaches you the system. Every account gets 10 questions a month free; paid plans raise the allowance.

    Free and up

Your dashboard

One home for everything you insure.

Once your profile is in, it all lives in one place. Each section opens with a plan — the chip on every card names the one that unlocks it — and the last is the claim check, a separate one-time review for when an offer comes in low.

  • Free

    Advisor

    Ask anything about your cover — it already knows your profile.

  • Bronze

    Vault

    Your policies in one place, organized by line of cover.

  • Bronze

    Learning progress

    What you've learned with the advisor, and what's worth learning next.

  • Silver

    Watchdog

    Koala keeps an eye on your policies for renewals and changes.

  • Silver

    Risk alerts

    A heads-up on weather and risks that could touch your cover.

  • Silver

    Coverage check

    Find the gaps and overlaps across your policies.

  • Gold

    Insights

    Trends and benchmarks across everything you insure.

  • Separate one-time check

    Claim check

    A one-time check on whether your insurer is lowballing you

The add-on · one-time $25

Six agents on your claim. One of them is you.

If you think an insurer has lowballed you, that's a different job, and a separate one-time fee. Your insurer runs AI to minimize what it pays. The claim check runs a five-agent pipeline the other way: it reads your documents, researches real settlements and the exact statutes that back you, calculates what you're actually owed, and drafts the demand. You approve before anything is sent.

Check my claim Walk the pipeline

Free while in beta · about 3 minutes end to end · no plan required

The pipeline at a glance

  1. 01IntakeReads your documents
  2. 02ResearchFinds comparable settlements
  3. 03AnalysisCalculates the gap
  4. 04CheckpointYour callYou review first
  5. 05DraftingWrites your demand
  6. 06DeliveryHands you the files
The usual way vs. the Koala pipeline

The same fight, done six times faster.

Answering a lowball takes the same six moves whether you do it alone or hand it to Koala. The difference is who does the reading, the research, and the writing.

  1. You reread the policy and the denial letter, hoping you spot the clause they leaned on.

    Read the fine print

    Every file (policy, denial, estimates, photos) is read and turned into a structured claim record.

  2. You dig through forums and hope a similar case turns up. Most don’t cite a source.

    Find comparable settlements

    Neural search surfaces real comparable settlements, each with a source link and a relevance rating.

  3. You guess at what the law says about bad faith, or pay someone to tell you.

    Pin the exact statute

    The governing statute is cited by exact chapter and § number, never a vague “under state law.”

  4. You eyeball a figure and second-guess whether it’s too high, or too low.

    Do the money math

    Each line item is priced on its own basis and the gap is summed in code, so it always reconciles.

  5. A blank page, a formal tone you’re unsure of, and no leverage to point to.

    Write the demand

    A firm, professional demand letter and report, with every denied item contested by name.

  6. Weeks of back-and-forth, or months if a lawyer takes the case.

    Get to a sendable letter

    Minutes, end to end, with a human checkpoint before anything is sent.

Below: exactly what each agent does, stage by stage.

Inside the claim check

What each agent actually does.

Follow a claim from upload to a letter you can send. Every detail below is drawn from the real pipeline, not marketing gloss, and the fourth stage is you.

01

Intake

Agent 1 · reads your documents

Koala reads everything you upload and turns it into structured facts.

What Koala does

It opens every file (the adjuster’s letter, your policy, estimates, and photos) and extracts a clean record of the claim: what was lost, who the insurer is, what they offered, and a line-by-line breakdown of what each item was claimed for versus what was actually paid. Critically, it separates a denied item (paid nothing) from an underpaid one.

What you experience

Upload your files and type a sentence about what happened. Koala shows you what it pulled out, and flags any document it references but you haven’t uploaded yet.

The structured record it builds

Claim typeLoss typeDenial reasonInsurer & offerPolicy numberDate & stateVehicle / propertyDamage summaryLine-item breakdown

PDFs are read as text; photos are read directly by a vision model, so you never have to type anything in by hand.

A field it can’t find stays empty. Koala never fills a blank with a guessed number.

02

Research

Agent 2 · Koala’s real differentiator

It goes and finds the real evidence: settlements and the law that backs you.

What Koala does

It runs neural web search with three targeted queries built from your specific claim, then formats the results into structured comparables, each with a source link, a relevance rating, the key finding, a dollar value where one is stated, and jurisdiction. Statute citations carry the exact chapter and section, so the letter can point to real law.

What you experience

A list of real, clickable sources: comparable settlements and the statutes that govern your claim, each traceable back to where it came from. No invented cases, no vague ‘industry standards.’

Three questions it puts to the web

  1. 01Comparable settlements. cases where a policyholder won a payout for this loss after this kind of denial.
  2. 02The governing statutes. your state’s insurance-code chapters and sections on prompt payment and unfair settlement practices, with exact § numbers and penalty provisions.
  3. 03Fair market value. the actual cash value and typical approved settlement for your specific vehicle or property, in your city and state.

Run through neural search (Exa), not keyword matching.

Citations, not hallucinations

Only facts and links that actually appear in the results survive. Koala never invents a case name, a dollar amount, or a statute number.

High relevance statute source

Tex. Ins. Code § 541.060

An insurer may not fail to attempt a prompt, fair, and equitable settlement once liability is reasonably clear.

Cited by exact section, never a vague “under state law.”

03

Analysis

Agent 3 · the money math

It calculates what you’re actually owed and measures the gap.

What Koala does

The model weighs the insurer’s offer against the comparables to estimate a fair-value range and a confidence level. Then the arithmetic runs in code, never in the model: each line item is priced on its own basis, a total loss is valued on replacement cost rather than a repair estimate, and the lowball risk is rated from the size of the gap.

What you experience

One clear number: what you were offered, what the evidence says you’re owed, and the gap between them, with a risk rating and the specific statutes standing behind it.

Every line item, priced on its own basis

ItemStatusClaimedPaidGap
Rental / loss of useDenied$1,400$0$1,400
Diminished valueUnderpaid$3,600$1,200$2,400
OEM bumper & sensorsUnderpaid$2,100$1,500$600

Illustrative. A denied item’s gap is its full claimed value; an underpaid item’s gap is claimed − paid.

The arithmetic runs in code, not the model

The model estimates a fair-value range; Koala computes the gaps. The headline number is the sum of the line-item gaps, so it always reconciles with the breakdown.

Lowball risk, from the gap

Low · under 10%Medium · 10 to 20%High · 20 to 40%Critical · over 40%
04

Checkpoint

You · the human in the loop

The pipeline stops itself. You’re the one agent it can’t run without.

What Koala does

Whenever the stakes or the uncertainty are high, Koala refuses to auto-proceed and routes the claim to you first. It’s a deliberate brake: a high-value dispute or a thin-evidence result is exactly where a human should look before a demand goes out.

What you experience

A plain-English summary of everything found, and the decision in your hands. Approve it, or leave notes and corrections that get carried into the drafting step. Nothing is written or sent until you say so.

Koala pauses for you when…

  • The gap tops 40% of fair value
  • The lowball risk is rated Critical
  • Confidence in the evidence is Low
  • The offer already meets fair value, usually a sign the wrong comparable was used

Nothing is drafted or sent past this line without your approval. You can add notes or corrections, and they flow straight into the letter.

05

Drafting

Agent 4 · writes your demand

It writes the two documents that make your case.

What Koala does

Grounded in the exact numbers and sources from the earlier steps, it writes the Koala Report and a formal demand letter. It contests every denied item by name, sets the demand at the fair-value midpoint (and never below the insurer’s own offer), gives a 14-day deadline, and warns of escalation to the state insurance commissioner.

What you experience

Two polished documents that read like they came from someone who does this for a living, with your checkpoint notes already folded in and the tone kept firm, not aggressive.

The Koala Report

  1. 01Executive summary
  2. 02Fair value analysis
  3. 03Comparable settlements
  4. 04Gap analysis
  5. 05Line-item breakdown
  6. 06Legal basis
  7. 07Recommended next steps

The demand letter

  1. 01Formal header
  2. 02Statement of claim & current offer
  3. 03Evidence of fair value (2 to 3 comparables)
  4. 04Specific demand at the fair-value midpoint
  5. 0514-day response deadline
  6. 06Escalation to the state insurance commissioner

Every denied item is contested individually, never collapsed to just the biggest one.

The demand never drops below the insurer’s own offer.

Firm and factual. It never claims more than the sources support.

06

Delivery

Agent 5 · hands you the files

It hands you finished files, ready to send today.

What Koala does

It renders both documents into clean PDFs and emails them to you with the report attached, each file carrying Koala’s disclaimer.

What you experience

Download the report and demand letter, or find them in your inbox. Add your name and claim number, send it to your insurer, and start the 14-day clock. All of it lands minutes after you began, not months later.

Formatted PDFs

Both documents rendered as clean, print-ready PDFs you can download.

Straight to your inbox

Koala emails them to you with the report attached.

Ready to send

Add your name and claim number, send to your insurer, and give them 14 days.

Every document carries Koala’s disclaimer: it’s not a law firm, and this isn’t legal advice.

Why the output holds up

The pipeline is built to be trusted, not only to be fast.

Speed is the easy part. The hard part is producing something an insurer has to take seriously, so the pipeline is designed around a few non-negotiables.

Real sources, or none

Every comparable and statute is a real, linked result. Koala never fabricates a case, an amount, or a section number to fill a gap.

The arithmetic runs in code

The model estimates value; the arithmetic runs deterministically in code, so the headline gap always reconciles with the line items.

Denials aren’t lowballs

An item paid nothing is contested as a full denial, line by line, never quietly folded into one lump-sum offer.

You hold the pen

High-stakes claims stop at a human checkpoint. Nothing is drafted or delivered until you’ve approved it.

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.

Ask the advisor Build your profile
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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
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