Terms of Service

Acceptance

By using this site, you agree to these terms. If you do not agree, do not use the site.

What the site provides

Free educational calculators and guides that help organize facts, comparables, and arithmetic related to U.S. auto total-loss and diminished-value insurance claims. See the methodology page for exactly what each calculator computes.

No professional relationship

Using this site does not create an attorney-client relationship, an insurance-adjusting relationship, an appraisal relationship, or any other professional relationship. The site is not a law firm, insurer, public adjuster, or appraisal company. See the full disclaimer.

No warranty

The site and its calculators are provided "as is," without warranty of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose, or merchantability. Calculator results depend entirely on the figures you enter; verify them independently before relying on them.

Limitation of liability

To the fullest extent permitted by law, this site and its publisher are not liable for any loss or damage arising from use of, or reliance on, the site, its calculators, or its guides.

Acceptable use

• Do not use automated tools to scrape or overload the site in a way that disrupts service for others.
• Do not misrepresent calculator output as an official appraisal, legal opinion, or insurer determination.
• Do not attempt to interfere with the site's security or normal operation.

Intellectual property

The site's text, design, and calculator code are the property of their respective owners. You may use calculator output for your own personal claim-related purposes.

Changes

These terms may be updated from time to time; continued use after an update means you accept the revised terms.

Contact

Questions about these terms can be sent through the contact page.