Legal Disclaimer

Not a professional service

FairClaimCalculator is not a law firm, insurance company, public adjuster, or licensed vehicle appraiser. No attorney-client, adjuster-client, or appraiser-client relationship is formed by using this site, its calculators, or its guides.

Arithmetic, not entitlement

The calculators organize the figures you enter and show the arithmetic that follows from them. They do not determine what you are legally owed, what an insurer must pay, whether coverage applies, who is at fault, or what a court or regulator would decide in your case. A number appearing in a calculator result is a calculation based on your inputs — not a legal or professional conclusion.

First-party vs. third-party claims, and state law

How a total-loss or diminished-value claim is handled can differ significantly depending on whether it is a first-party claim (against your own insurer) or a third-party claim (against another driver's insurer), and depending on your state's specific statutes, regulations, and case law. This site does not attempt to state the law of every state for every situation. Guides note where an answer commonly varies by state; always verify anything case-specific with a licensed attorney or your state insurance department.

No guaranteed outcome

Nothing on this site guarantees a higher settlement, a favorable claim outcome, or any specific result. Insurers, courts, and regulators make their own independent determinations.

The diminished-value baseline specifically

The disclosed 17c-style baseline shown in the Diminished Value Baseline calculator reflects a commonly published version of a formula associated with a 2002 Georgia class-settlement order. It is not a national or state legal standard, and a 2008 Georgia regulatory directive specifically states no formula was approved as determinative of diminished value. See the methodology page and source register.

Verify before you rely

Always verify calculator inputs and outputs against your own paperwork, and verify anything case-specific with a licensed attorney, your state insurance department, or a qualified independent appraiser before making a decision about your claim.