See How Your Total-Loss Settlement Check Was Calculated
Enter the numbers from your insurer's offer and this tool lays out, step by step, how they add up to a check — deductible, loan payoff, GAP scenario, and salvage all shown separately, with the full arithmetic visible.
- 🔒 Free — no email or account required
- 🧮 Every step of the math is shown
- 💾 Nothing you enter is sent to a server
Break Down Your Settlement Check
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Your Settlement Breakdown
Every line below comes directly from what you entered — nothing is estimated or looked up on your behalf.
Methodology version 1.0 — last reviewed 2026-07-19.
Model reflects a standard first-party/third-party total-loss settlement waterfall as commonly described in state insurance-department consumer guides on total-loss claims; it is a general organizing structure, not a citation to any single statute.
Frequently Asked Questions
Does this tool tell me whether my settlement offer is fair?
No. It organizes arithmetic — it does not determine what you are legally owed, evaluate your policy, or guarantee any GAP payout. See the full disclaimer for what this tool cannot do.
Why is the deductible field hidden for some claims?
A deductible generally only applies to first-party claims, where you're collecting from your own insurer. Select "Another driver's insurer (third-party)" and that field stays hidden, since it typically doesn't apply.
What does the tool do with GAP coverage?
If you have a loan or lease and select that you have GAP coverage, the breakdown includes a plain-language note about how a GAP shortfall scenario typically works — it does not calculate or guarantee an actual GAP payout, which is determined by your GAP provider.
What if the insurer's stated check amount doesn't match this breakdown?
Entering the insurer's stated check amount is optional. If you enter it, the tool compares it against the line-by-line breakdown you built and flags whether the two match — a starting point for questions, not a verdict on which number is correct.
Is anything I type sent to a server?
No. Every number you enter stays in your browser and is never transmitted to or stored on any server operated by this site.