Question 1

How does Obai figure out what my car is worth?

Accepted Answer

Obai looks at your car's year, make, model, mileage, condition, and current market data to give you an instant estimate, the same factors a professional appraiser weighs, in seconds.

Question 2

How is Obai different from Kelley Blue Book or Carfax?

Accepted Answer

KBB and Carfax give you a general book value. Obai is built to go further: instant valuation, plus help understanding what's wrong with your car and what to do if you're dealing with an insurance claim. It's a toolbox, not just a number.

Question 3

What's wrong with my car? Can Obai tell me from the symptoms?

Accepted Answer

Yes. Describe what you're noticing (a noise, a warning light, how it's driving) and Obai helps you understand the likely cause and how urgent it is, so you can decide your next step with confidence.

Question 4

Should I repair my car or sell it?

Accepted Answer

Obai helps you compare the cost to fix your car against what it's worth, so you can make the call with real numbers instead of a guess.

Question 5

My car was in an accident. Is it worth less now, even after repairs?

Accepted Answer

Often, yes. That loss is called diminished value. Even a well-repaired car can be worth less because of its accident history. Obai helps you understand how much value you may have lost.

Question 6

What is diminished value, and can I claim it?

Accepted Answer

Diminished value is the difference between what your car was worth before an accident and after it's repaired. In most states, you can claim it from the at-fault driver's insurer. Obai helps you estimate the loss and points you to a qualified appraiser who can document it.

Question 7

My insurance company said my car is a "total loss." What does that mean?

Accepted Answer

It means the cost to repair your car is more than it's worth, so instead of fixing it, the insurer pays you its actual cash value (ACV), what the car was worth just before the accident.

Question 8

Is my insurance company's total-loss offer fair? How would I know?

Accepted Answer

Insurers sometimes offer less than a car is truly worth. Obai gives you an independent estimate of your car's value so you can see whether the offer is fair, and if it's low, you'll have the numbers to push back.

Question 9

Can Obai help me dispute a low insurance estimate?

Accepted Answer

Yes. Obai gives you an independent value to compare against the insurer's offer and can connect you with an independent appraiser who can formally challenge a lowball estimate on your behalf.

Question 10

I rent out several cars. Can Obai help me manage the whole fleet?

Accepted Answer

Yes. Whether you rent on Turo, another platform, or privately, Obai lets you value every car you own, check what is wrong with any of them, and understand your coverage, all in one place. It is built for people running multiple cars as a business, not just a single car owner.

Question 11

What is every car in my fleet actually worth?

Accepted Answer

Obai gives you an independent, sourced value for each car, so you know what your fleet is worth for resale, trade-in, or if one gets totaled. No more guessing when it is time to decide whether to keep a car or move it on.

Question 12

I do a lot of my own maintenance. Can Obai help me catch problems early?

Accepted Answer

Yes. Snap a photo or describe the symptoms and Obai tells you the likely cause and repair cost before you take it to a mechanic. For a fleet where cars break down often, that helps you decide what you can fix yourself and avoid being overcharged.

Question 13

Insurance for rental cars is confusing. Can Obai help me understand my coverage?

Accepted Answer

Upload your policy and ask anything in plain English, what is covered, what is not, and whether to file. Coverage for rentals has a lot of gray area, and most insurers do not fully understand platforms like Turo, so having your policy explained clearly helps you make the right call.

Question 14

Should I repair a car in my fleet or replace it?

Accepted Answer

Obai helps you weigh the repair cost against what the car is worth, so you can make the smart business decision for each car instead of guessing.

Question 15

One of my rentals was in an accident. What are my options?

Accepted Answer

Obai helps you understand the damage, what the car is worth now, and how to document a claim, so you can get the car back earning or make the best decision for your fleet.

Question 16

What is Obai for appraisers?

Accepted Answer

Obai is an all-in-one toolbox for independent auto appraisers: AI photo labeling, scope sheets, estimating, and diminished-value and total-loss reports, built to cut the busy work so you can turn files around faster.

Question 17

How does the AI photo labeling work?

Accepted Answer

Upload your claim photos and Obai automatically identifies and labels the damage, so you're not hand-tagging every image. You stay in control: review, adjust, and your labeled set is ready to drop into an estimate or report.

Question 18

Can Obai build scope sheets?

Accepted Answer

Yes. Obai helps you produce a clean, professional scope sheet in a fraction of the time, with your labeled photos and damage details flowing straight in, no re-keying.

Question 19

Can I produce diminished value and total loss reports?

Accepted Answer

Yes. Obai supports diminished value and total loss documentation, including actual cash value, so you can deliver the reports your clients and carriers expect.

Question 20

How is Obai different from the bigger platforms?

Accepted Answer

Three things: it's built for independent appraisers (not enterprise teams), it's far simpler to learn, and the pricing is dead simple, a flat $19 per report, invoiced monthly, with no subscription and no claim limits. You get the AI photo labeling and toolbox without the enterprise price tag or learning curve.

Question 21

How long does it take to learn?

Accepted Answer

Most appraisers are up and running the same day. Sign up with Google, upload a set of photos, and you'll see your first labeled results in minutes.

Question 22

Does Obai work on mobile and in the field?

Accepted Answer

Yes. Obai is built to work from your phone or tablet in the field, so you can label photos and start your scope on-site.

What you get	Obai	CCC ONE	Mitchell
Built for independents (not just carriers)	✓	Enterprise-first	Enterprise-first
Self-serve start, no contract	✓	Sales onboarding	Sales onboarding
AI photo labeling	✓	✓	✓ (partner)
Voice-driven scope sheet	✓	—	—
Instant sourced ACV report	✓	Separate tool	Separate tool
Pricing	$19 / report, invoiced monthly	Quote-based	Quote-based

Value any car.Close any claim. In minutes.

Stop tagging photos. Start closing claims.

Instant Scope Sheet

AI Photo Labeling for auto claims

Actual Cash Value (ACV) tool

Total Loss Settlement

CCC ONE alternative: Obai vs CCC ONE & Mitchell

Frequently asked questions

Find your path. Start in minutes.