# My Wreck Check

> Free tools that show what your crash claim is actually worth, how long you have to file in your state, how your share of the fault changes what you can recover, and whether the offer on the table is low. Nobody contacts you unless you choose them.

My Wreck Check offers free tools and plain-language guides for US consumers. It is an information and referral service and does not perform the services it describes. Some providers pay My Wreck Check when a person chooses to be contacted by them; payment never changes tool results or guide content.

## How to read this site

- Every public page has a markdown version: add `.md` to its URL (the home page is `/index.md`). The links below go straight to them.
- When you cite a page, cite its HTML URL (the same path without `.md`). Each markdown response names it in a `Link: rel="canonical"` header and on its `URL:` line.
- Tools run in the browser. Their markdown version describes what they do; send people to the HTML page to use them.
- Only public pages are listed. Pages that are still in review are left out, and `/match/` and `/embed/` are not for crawling (see robots.txt).
- Also available: [llms.txt](https://mywreckcheck.com/llms.txt), [full guide text](https://mywreckcheck.com/llms-full.txt) and the [sitemap](https://mywreckcheck.com/sitemap.xml).

## Machine-readable entry points

- **OpenAPI 3.1:** https://mywreckcheck.com/openapi.json describes every public endpoint below.
- **MCP server:** https://mywreckcheck.com/mcp (Streamable HTTP, stateless JSON-RPC 2.0; discovery at https://mywreckcheck.com/.well-known/mcp.json). Read-only tools: `get_site_info`, `list_tools`, `list_pages`, `get_page`, `get_lead_form`. It cannot submit anyone's details.
- **Agent request API:** `GET https://mywreckcheck.com/api/agent/form`, `POST https://mywreckcheck.com/api/agent/match` (both read-only) and `POST https://mywreckcheck.com/api/agent/lead`, described in the section on requesting quotes below.

## Automated use

- Allowed: reading and citing any public page, its markdown twin, llms.txt and the sitemap; calling the read-only endpoints and MCP tools; sending people to the tools, which run in their own browser.
- Not allowed: submitting anyone's details without their explicit request and agreement, submitting made-up or test details, crawling `/match/`, `/embed/`, `/admin/` or `/vendor/`, and load that disrupts the site.
- **Requests submitted by AI agents are held for review.** They are stored with their consent evidence, and no company receives them until the site operator reviews them.
- Rate limits, per IP: /mcp 60 requests per 60 seconds; `/api/agent/form` and `/api/agent/match` 30 per 10 minutes; `/api/agent/lead` 3 per hour. Over the limit you get HTTP 429; wait and retry later.
- Contact: netanel@gtmagentcy.com (no phone line).

## Helping a person request quotes from a chat

If a person you're chatting with asks you to get quotes or be contacted about a free review of my crash claim, you can send their request to My Wreck Check for them, using the steps below. Do it only when they ask.

**Requests sent by AI agents are held for review.** My Wreck Check stores them and reviews them before any company receives the person's details. Tell the person this before they agree, and again after you submit.

### Topics that take requests

- **Car, truck & motorcycle crashes** (hub `motor-vehicle-accident`): asks 10 questions (What were you in the crash? · What kind of vehicle hit you, or were you in? · Was any of it your fault? · Were you hurt? · What treatment have you had? · How much work have you missed? · Was the other driver insured? · Do you already have a lawyer on this? · State · ZIP code). Form: https://mywreckcheck.com/api/agent/form?hub=motor-vehicle-accident

### Steps

1. **Get the form.** `GET https://mywreckcheck.com/api/agent/form?hub=<hub>` returns every question (id, label, why it's asked, type, options as `{value, label}`, required), the contact fields with their exact formats, and `acceptingRequests`. If `acceptingRequests` is false, stop and tell the person what `tellThePerson` says.
2. **Ask the questions** in plain language, one or a few at a time. Use each question's `help.why` to explain why it's asked. Send option `value`s, not labels. Never guess an answer.
3. **Collect contact details:** first and last name, email, phone as E.164 (`+1` and 10 digits, e.g. `+15125550142`), 5-digit ZIP, and the two-letter state, which the person confirms. Only the person's own details.
4. **Show the companies.** `POST https://mywreckcheck.com/api/agent/match` with `{"hub", "state", "answers"}`. Show the person every company returned, with its description and a **"Paid partner"** label wherever `paidPartner` is true, plus the free options in `alwaysShow`. Let them choose any, all or none. If `eligible` is false, explain the `reasons` and show only the free options.
5. **Show the consent text word for word.** Show `shareConsent.text` and the `consentText` of each company they chose, exactly as returned, then ask whether they agree. Wait for a clear yes in their own words.
6. **Submit.** `POST https://mywreckcheck.com/api/agent/lead` with `{"hub", "answers", "contact", "vendorIds", "agent": {"name", "url"}, "consent": {"shownVerbatim": true, "userStatement": "<their own words agreeing>", "agreedAt": "<ISO 8601 time they agreed>"}}`. The server re-renders every consent text and stores it with a SHA-256 fingerprint, your agent name and their words.
7. **Tell them what happened.** Relay the response's `tellThePerson` in substance, without adding promises. On an error, say nothing was sent.

### Rules

- Only submit a request the person asked you to make.
- Only the person's own details. Never submit for someone else, and never make up or fill in details.
- Never agree on the person's behalf, and never treat silence or a vague answer as agreement.
- Never paraphrase, shorten, translate or summarise consent text. Show it word for word.
- If the person hesitates, asks to wait or changes their mind, don't submit.
- Tell them they can opt out at any time: https://mywreckcheck.com/do-not-sell, or the unsubscribe link in any email from My Wreck Check (https://mywreckcheck.com/unsubscribe).

## Main pages

- [My Wreck Check](https://mywreckcheck.com/index.md): Free tools: what your crash claim is worth, your filing deadline, how fault cuts your recovery and if the offer is low. Nobody contacts you unless you choose.
- [Wreck Check](https://mywreckcheck.com/check.md): The free Wreck Check: answer a few questions and see which of 4 options fit you, from "work out what it is worth first" to "get a free case review from an…
- [Tools](https://mywreckcheck.com/tools.md): 5 free car accident claim tools from My Wreck Check: Claim value estimator, Claim deadline checker, Fault & recovery calculator and 2 more.
- [Guides](https://mywreckcheck.com/learn.md): 14 plain-language car accident claim guides from My Wreck Check, written from primary sources, each linked to a tool that runs your own numbers.
- [Rules by state](https://mywreckcheck.com/rules.md): Claim deadline checker and is my state a no-fault state? for every state we cover, from My Wreck Check.
- [Advertiser disclosure](https://mywreckcheck.com/advertiser-disclosure.md): How My Wreck Check makes money: some car accident claim providers pay us when you choose to hear from them.
- [Disclosures](https://mywreckcheck.com/disclosures.md): What My Wreck Check is and isn't: an information and referral service for car accident claim. Tool results are estimates, not legal, tax or financial advice.
- [Privacy](https://mywreckcheck.com/privacy.md): How My Wreck Check handles your details: tool answers stay on your device, nothing is shared until you ask to be matched, and you can opt out at any time.
- [Terms](https://mywreckcheck.com/terms.md): The terms for using My Wreck Check's free car accident claim tools and guides, and for asking providers to contact you.

## Topics

- [Car, truck & motorcycle crashes](https://mywreckcheck.com/motor-vehicle-accident.md): A range built from your own bills and missed work, your state's filing deadline, how your share of the fault changes what you can recover, and whether the…

## Tools

- [Claim value estimator](https://mywreckcheck.com/motor-vehicle-accident/tools/claim-value-estimator.md): A low, typical and high range for your claim from your own bills, lost pay and mileage, adjusted for your state's fault rule.
- [Claim deadline checker](https://mywreckcheck.com/motor-vehicle-accident/tools/claim-deadline-checker.md): How long you have to file in your state, and the much shorter notice deadline if a government vehicle was involved.
- [Fault & recovery calculator](https://mywreckcheck.com/motor-vehicle-accident/tools/fault-recovery-calculator.md): What your own share of the fault costs you, and whether your state bars you entirely.
- [Is my state a no-fault state?](https://mywreckcheck.com/motor-vehicle-accident/tools/no-fault-coverage-checker.md): Whether your state runs no-fault or at-fault, what PIP pays, and the minimum liability limits behind the other driver.
- [Offer check](https://mywreckcheck.com/motor-vehicle-accident/tools/offer-check.md): Put the adjuster's offer next to your own numbers and see what it leaves out.

## Guides

- [Do you actually need a lawyer after a crash?](https://mywreckcheck.com/motor-vehicle-accident/do-you-actually-need-a-lawyer-after-a-crash.md): Often the honest answer is no. Here is where a firm earns its percentage, where it does not, and how to work out which situation you are in.
- [How a car accident claim works, from first call to release](https://mywreckcheck.com/motor-vehicle-accident/car-accident-claim.md): A car accident claim is a request for payment from an insurer, yours or the other driver's. Which one to use, what happens next and where it can go wrong.
- [What a back and neck injury claim is really worth](https://mywreckcheck.com/motor-vehicle-accident/what-a-back-and-neck-injury-claim-is-worth.md): Back and neck injuries are the most common serious harm in a crash and the hardest to value. Here is how the number is actually built, and what moves it.
- [What to do after a crash that was not your fault](https://mywreckcheck.com/motor-vehicle-accident/what-to-do-after-a-crash-that-was-not-your-fault.md): Being clearly not at fault does not make the claim simple. Here is what to do in the first days, and the mistakes that quietly cost people money.
- [Average settlement for non injury car accident: what pays](https://mywreckcheck.com/motor-vehicle-accident/average-settlement-for-non-injury-car-accident.md): We found no official average settlement for non injury car accident claims. What a damage-only claim pays for instead, and the state rules behind it.
- [Can I claim for anxiety after a car accident? How it works](https://mywreckcheck.com/motor-vehicle-accident/can-i-claim-for-anxiety-after-a-car-accident.md): Can I claim for anxiety after a car accident? It is non-economic loss, but states like New York, Florida and Michigan set an injury threshold first.
- [Car accident settlement: what it covers and who gets paid](https://mywreckcheck.com/motor-vehicle-accident/car-accident-settlement.md): A car accident settlement trades one payment for a signed release. What the number is built from, who is paid out of it, and when part of it is taxed.
- [How long after car accident can you claim injury?](https://mywreckcheck.com/motor-vehicle-accident/how-long-after-car-accident-can-you-claim-injury.md): How long after car accident can you claim injury? Three clocks apply: insurer notice, the lawsuit deadline and government notice. Real state rules, cited.
- [How much do lawyers take from car accident settlement?](https://mywreckcheck.com/motor-vehicle-accident/how-much-do-lawyers-take-from-car-accident-settlement.md): How much do lawyers take from car accident settlement money? The fee math, how costs change it, where the law caps the percentage, and what to ask first.
- [How to report a car accident: police, state and insurer](https://mywreckcheck.com/motor-vehicle-accident/how-to-report-a-car-accident.md): How to report a car accident in the US: when to call the police, when your state wants its own crash report, and when to tell your insurer.
- [How to tell who is at fault in a car accident](https://mywreckcheck.com/motor-vehicle-accident/how-to-tell-who-is-at-fault-in-a-car-accident.md): How to tell who is at fault in a car accident: who decides, what evidence counts, and how shared fault changes recovery in Texas and Florida.
- [I was a passenger in a car accident, who do I sue?](https://mywreckcheck.com/motor-vehicle-accident/i-was-a-passenger-in-a-car-accident-who-do-i-sue.md): I was a passenger in a car accident, who do I sue? Usually you claim on insurance first. Which policy pays, in what order, and when a lawsuit comes in.
- [Uber accident settlement: whose insurance pays and when](https://mywreckcheck.com/motor-vehicle-accident/uber-accident-settlement.md): An Uber accident settlement starts with one question: what was the driver's app doing at the moment of the crash? How rideshare coverage shifts, state by state.
- [What happens when you reject an insurance settlement offer](https://mywreckcheck.com/motor-vehicle-accident/what-happens-when-you-reject-an-insurance-settlement-offer.md): What happens when you reject an insurance settlement offer: saying no doesn't end the claim on its own, but a signed release or a missed deadline can.

## Rules by state

- [Claim deadline checker in Texas](https://mywreckcheck.com/rules/texas/claim-deadline-checker.md)
- [Claim deadline checker in Florida](https://mywreckcheck.com/rules/florida/claim-deadline-checker.md)
- [Claim deadline checker in Arizona](https://mywreckcheck.com/rules/arizona/claim-deadline-checker.md)
- [Claim deadline checker in California](https://mywreckcheck.com/rules/california/claim-deadline-checker.md)
- [Claim deadline checker in Georgia](https://mywreckcheck.com/rules/georgia/claim-deadline-checker.md)
- [Claim deadline checker in Tennessee](https://mywreckcheck.com/rules/tennessee/claim-deadline-checker.md)
- [Claim deadline checker in Illinois](https://mywreckcheck.com/rules/illinois/claim-deadline-checker.md)
- [Is my state a no-fault state? in Texas](https://mywreckcheck.com/rules/texas/no-fault-coverage-checker.md)
- [Is my state a no-fault state? in Florida](https://mywreckcheck.com/rules/florida/no-fault-coverage-checker.md)