For U.S. auto insurance claims — all 50 states
Check the facts, comparables, and arithmetic behind your auto claim offer
Free tools built for the U.S. auto claims process, helping you audit a total-loss or diminished-value offer — privately, in your browser, with every calculation shown. No login, no email gate, no guesses.
- Built for U.S. claims, every state
- Runs privately in your browser
- Sources cited, arithmetic shown
Choose your situation
My Vehicle Was Declared a Total Loss
Check the facts in the insurer's valuation report, compare comparables, and see exactly how the settlement check math works.
My Repaired Vehicle May Have Diminished Value
See a transparent 17c-style baseline next to real market evidence — shown separately, never averaged into one number.
How it works
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Tell us what happened
Repaired or totaled, and whether you already have a written offer or valuation report.
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Enter what you know
Your numbers stay in your browser. Nothing you type is sent to a server.
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See the full arithmetic
Every calculation is shown step by step — never a single number with hidden math.
Ten Free Calculators
Settlement Check Breakdown
See exactly how ACV, deductible, loan payoff, GAP, and salvage add up to your check.
Live nowSalvage / Owner-Retained Value
Compare keeping vs. surrendering your vehicle, and the insurer's salvage deduction against your own market evidence.
Live nowTotal-Loss Offer Audit
Check valuation-report facts and compare comparables — mean, median, range, and a transparent comp-quality review.
Live nowTotal-Loss Threshold Checker
Check your repair estimate and ACV against your own state's percentage rule or Total Loss Formula.
Live nowDiminished Value Baseline
A disclosed 17c-style baseline shown next to a separate market-evidence worksheet.
Live nowLeased Vehicle Diminished Value
The same baseline-vs-market-evidence calculator, with a lessee-vs-lessor explainer for drivers on a lease.
Live nowRental / Loss-of-Use Reimbursement
Check a rental offer's arithmetic — daily rate, policy caps, and a comparison against what you actually spent.
Live nowLoan/Lease Payoff vs. ACV Gap
See the exact dollar gap between what you owe and your settlement, plus common GAP-exclusion checkpoints.
Live nowSales Tax & Title Fee Estimator
Estimate a replacement vehicle's tax and title cost using your own known local rate.
Live nowClaim Letter & Evidence Packet Builder
Turn your audit into an editable, factual letter, plus an evidence checklist.
Why trust this site
Transparent math
Every calculator shows its full substituted arithmetic — no single number with hidden weights.
Local processing
Your entries are processed in your browser. Nothing you type in a calculator is sent to a server.
Primary sources
Legal and formula claims are cited next to the claim, not left as unsupported statements.
Honest limitations
This site organizes facts and arithmetic. It never tells you what you're legally owed or guarantees an outcome.
Learn Before You Sign Anything
Twenty-three source-backed guides on how insurers value a total loss, what diminished value actually is, and how the U.S. claims process works — each cites its sources and says plainly what it can't tell you.
Total Loss
10 guides — valuation, reading the report, state laws, GAP insurance, and disputing it factually.
Diminished Value
6 guides — what it means, the 17c formula's real history, state rules, market evidence, and leased vehicles.
Claim Process
7 guides — first-party vs. third-party claims, rental reimbursement, lowball offers, outside help, an evidence checklist, filing a DOI complaint, and which claim you have.