Free tools

Total Loss Calculators

Three quick tools to put a number on your claim. No signup, instant results.

Settlement Gap Estimator

Compare your insurer's offer to local market value.

Insurer's total-loss offer

Comparable listing #1

Same year, make, model, trim within 100 miles.

Comparable listing #2

Comparable listing #3

Estimated gap

$3,667

Fair value ≈ $17,867 based on your comps.

Estimate post-repair loss in market value using the standard formula.

Pre-loss value (ACV)

Damage severity

Mileage band

17c estimate

$1,920

Market-based appraisals often beat 17c by 2–3× for moderate to severe damage.

See what's available to you based on your state and claim type.

Your state

Claim type

Your rights in California

✓ Appraisal clause is enforceable on first-party total-loss claims.
✓ Insurer must include sales tax & title fees in ACV settlement.
✓ Diminished value typically not available on first-party claims (Georgia is a notable exception).
✓ You may file a complaint with the California Department of Insurance for unreasonable delay.