Ten Free Auto Claim Calculators
Built for the U.S. auto claims process — all 50 states. Choose the job you need to do. Every tool runs in your browser, shows its arithmetic or template rules, and states what it cannot determine.
For a total-loss vehicle
Total-Loss Offer Audit
Check valuation-report facts, compare price groups, and review comp quality without hidden weights or invented dollar adjustments.
Live nowSettlement Check Breakdown
Trace stated ACV, fees, deductible, loan payoff, salvage, prior payments, and a possible GAP shortfall through to the check.
Live nowSalvage / Owner-Retained Value
Compare the net-cash math of keeping vs. surrendering your vehicle, and the insurer's salvage deduction against your own market evidence.
Live nowTotal-Loss Threshold Checker
Check your repair estimate and ACV against your own state's percentage rule or Total Loss Formula, using the exact published state-by-state table.
Live nowLoan/Lease Payoff vs. ACV Gap
See the exact dollar gap between your loan or lease payoff and your settlement, plus a checklist of common GAP-insurance exclusions to review.
Live nowSales Tax & Title Fee Estimator
Estimate the tax and title/registration cost of a replacement vehicle using your own known local rate — no assumed state tax table.
For a repaired vehicle
While you're without a vehicle
For written follow-up
What these tools do not do
- They do not determine fault, coverage, market value, or what an insurer legally owes.
- They do not replace a policy review, licensed attorney, or qualified independent appraiser.
- They do not send, upload, or save your calculator entries.
- They do not guarantee a better offer, payment, or claim outcome.