Financed Car Total Loss Calculator

Your Financed Car Is Totaled — But the Auto Loan Does Not Disappear

A totaled vehicle can create two separate financial problems at the same time.

First, you need to know:

How much will the insurance company pay for the vehicle?

Then you need to know:

Is that amount enough to pay off the car loan?

Those numbers are not always the same.

Our Financed Car Total Loss Calculator helps you compare the estimated insurance settlement with your current auto-loan payoff.

It can estimate:

• The primary total-loss insurance settlement
• The amount available toward the lender
• Possible negative equity or loan shortfall
• A known GAP or loan-payoff benefit
• Any estimated balance remaining after GAP
• Potential positive equity if the settlement exceeds the loan payoff
• How much of the loan payoff the settlement may cover

The calculator is designed for vehicles purchased with an auto loan. A leased vehicle involves different ownership and contract issues.

There Are Three Numbers You Need to Separate

A financed total loss becomes much easier to understand when you stop treating everything as one number.

There are usually three major figures.

1. Vehicle Actual Cash Value

This is the insurer's estimate of what the vehicle was worth immediately before the covered loss.

2. Insurance Settlement

This starts with the vehicle value and can be affected by an applicable deductible and other settlement adjustments.

3. Auto-Loan Payoff

This is the amount the lender says is currently required to satisfy the loan.

The financial outcome depends heavily on how Number 2 compares with Number 3.

The Basic Financed Car Total Loss Calculation

The calculator begins with:

Estimated Primary Settlement = Vehicle ACV + Eligible Taxes/Fees − Applicable Deductible

Then it compares that settlement with your current loan payoff.

If the loan payoff is higher:

Loan Shortfall = Loan Payoff − Estimated Settlement

If the settlement is higher:

Potential Positive Equity = Estimated Settlement − Loan Payoff

Example: Your Insurance Settlement Is Enough to Pay Off the Loan

Suppose your vehicle's ACV is:

$28,000

Eligible taxes or fees:

$1,200

Applicable deductible:

$1,000

Estimated primary settlement:

$28,200

Your lender's current payoff quote is:

$23,000

Potential positive equity:

$28,200 − $23,000 = $5,200

In a simplified scenario, the lender's interest could be satisfied and approximately $5,200 could remain for you.

The actual payment process depends on the insurer, lender, title, claim, and settlement documents.

Example: You Owe More Than the Insurance Settlement

Now use the same estimated settlement:

$28,200

But assume your current loan payoff is:

$32,500

The potential shortfall becomes:

$32,500 − $28,200 = $4,300

That $4,300 does not disappear because the vehicle no longer exists.

Without applicable GAP, loan-payoff protection, or another contractual solution, you may remain responsible for the remaining loan balance.

This Is What Negative Equity Means After a Total Loss

Negative equity exists when you owe more on the vehicle than the relevant vehicle value or insurance settlement.

For example:

Estimated settlement:

$20,000

Auto-loan payoff:

$25,000

Potential negative equity:

$5,000

You no longer have a usable car, but you may still have $5,000 remaining on the loan.

This is one of the biggest financial risks associated with financing a rapidly depreciating vehicle.

Positive Equity Is the Opposite Situation

Positive equity means the estimated insurance settlement is greater than the amount required to satisfy the loan.

Example:

Insurance settlement:

$21,000

Loan payoff:

$14,000

Potential positive equity:

$7,000

After the lender's financial interest is satisfied, the remaining eligible settlement may generally be payable to the vehicle owner.

The Insurance Company Does Not Value Your Car Based on What You Owe

This is one of the most important points to understand.

Suppose:

You owe:

$30,000

but the vehicle's pre-loss Actual Cash Value is:

$24,000

The auto loan does not automatically make the car worth $30,000.

Your vehicle value and your loan balance are separate financial calculations.

The insurer generally evaluates the covered vehicle loss.

The lender determines what remains due under the loan agreement.

Actual Cash Value Is Not the Original Purchase Price

Imagine you purchased a vehicle for:

$38,000

Two years later, the vehicle is totaled.

Its pre-loss market value may now be:

$27,000

Your insurance settlement generally does not automatically return the original $38,000 purchase price.

The relevant starting point is usually the vehicle's value immediately before the covered loss.

Why Can You Owe More Than the Car Is Worth?

Negative equity can develop for several reasons.

Common examples include:

• A small down payment
• A long loan term
• Rapid vehicle depreciation
• High interest costs
• Rolling old negative equity into a new auto loan
• Financing taxes and fees
• Financing optional products
• Buying an expensive vehicle with little equity

A vehicle can lose value faster than the loan principal decreases, especially during the early part of financing.

A New Car Can Create a Larger Total Loss Gap

Consider a vehicle purchased recently.

Original financed amount:

$42,000

Current loan payoff:

$39,000

Current vehicle ACV:

$33,500

Deductible:

$1,000

Simplified insurance settlement:

$32,500

Potential loan shortfall:

$6,500

A relatively new car can therefore produce a significant negative-equity problem even though you have been making your payments on time.

What Is GAP Insurance?

Guaranteed Asset Protection, commonly called GAP, is intended to address an eligible difference between what you owe on an auto loan and what the primary insurance settlement pays after a qualifying total loss or theft.

For example:

Loan payoff:

$31,000

Primary insurance settlement:

$27,000

Difference:

$4,000

An applicable GAP product may help with some or all of that eligible difference according to its contract.

GAP Does Not Increase Your Car's Actual Cash Value

Suppose your car's ACV is:

$25,000

Your loan payoff is:

$29,000

GAP does not normally turn the vehicle's ACV into $29,000.

Instead, the primary insurance claim and GAP claim are separate parts of the financial process.

The auto insurer addresses the covered vehicle loss.

Then GAP may address an eligible remaining loan difference.

GAP May Not Cover Every Dollar You Owe

Do not automatically assume GAP means:

“Whatever is left will always be paid.”

GAP products can have:

• Benefit limits
• Eligibility requirements
• Deductible rules
• Excluded amounts
• Loan-to-value restrictions
• Claim deadlines
• Other contractual limitations

This is why the calculator lets you enter a known GAP or loan-payoff benefit manually rather than automatically assuming the entire shortfall is covered.

Example With Partial GAP Coverage

Loan payoff:

$35,000

Primary settlement:

$29,000

Shortfall before GAP:

$6,000

Confirmed GAP benefit:

$4,500

Estimated remaining balance:

$1,500

The calculator shows the remaining amount instead of treating the GAP product as unlimited.

If You Do Not Know Your GAP Benefit, Enter $0 First

Do not guess.

Enter:

$0

to calculate the potential loan shortfall before GAP.

Once the GAP administrator confirms an eligible benefit, run the calculation again with that amount.

GAP Insurance and Loan/Lease Payoff Coverage Are Not Always Identical

Some insurance companies offer loan or lease payoff coverage rather than a traditional standalone GAP product.

These products can work differently.

For example, a policy may cap the benefit at a percentage of the vehicle's value or apply other restrictions.

Always use the actual terms of your coverage when estimating what may be paid.

Where Can GAP Come From?

Depending on how you financed the vehicle, GAP or similar protection may have been purchased from:

• Your auto insurer
• Your lender
• The dealership
• A separate GAP administrator

Check your purchase and loan paperwork if you are unsure whether you bought it.

Your Monthly Loan Balance May Not Be the Correct Payoff Number

The balance shown on a monthly statement may not always equal the amount required to pay the loan off on a specific date.

An official payoff quote can account for:

• Principal balance
• Accrued interest
• Timing of the payoff
• Other contractually permitted items

For a more useful calculation, request a current payoff amount directly from your lender.

Do Not Use the Sum of Your Remaining Monthly Payments

Suppose you have:

36 payments of $600 remaining

That equals:

$21,600

But $21,600 may not be the actual payoff amount because future scheduled payments can contain interest that has not yet accrued.

Use the lender's payoff quote rather than multiplying your remaining payment count by the monthly payment.

Continue Making Required Loan Payments While the Claim Is Open

A totaled car does not automatically close the loan on the date of the accident.

Your lender may still expect scheduled payments until the account is officially satisfied.

Stopping payments too early could potentially create:

• Late fees
• Past-due status
• Collection activity
• Credit problems

Follow the lender's instructions until you receive confirmation that the loan has been paid or otherwise resolved.

Who Gets the Insurance Payment on a Financed Vehicle?

When a lender has a lien on the vehicle, it has a financial interest in the total-loss settlement.

Depending on the claim and insurer, payment may be issued:

• Directly to the lender
• Jointly to the lender and vehicle owner
• Through another approved payment arrangement

If the settlement exceeds the payoff amount, the remaining eligible amount may generally go to the owner after the lien is satisfied.

Example of Payment Flow With Positive Equity

Estimated insurance settlement:

$26,000

Lender payoff:

$19,500

Estimated amount satisfying lender:

$19,500

Potential amount remaining:

$6,500

The lender does not generally receive an additional $6,500 simply because it is named on the policy or title.

Once its eligible financial interest is satisfied, the remaining settlement can generally belong to the vehicle owner, subject to the actual claim process.

Example of Payment Flow With Negative Equity

Insurance settlement:

$26,000

Loan payoff:

$30,000

Amount toward lender:

$26,000

Potential remaining loan balance:

$4,000

If no applicable GAP or similar protection exists, the borrower may remain responsible for that $4,000.

What Does Settlement-to-Payoff Percentage Mean?

The calculator can also show what percentage of the entered loan payoff is covered by the estimated primary settlement.

Example:

Primary settlement:

$24,000

Loan payoff:

$30,000

Settlement-to-payoff percentage:

80%

This means the estimated insurance settlement represents approximately 80% of the entered loan payoff.

It does not mean the lender forgives the remaining 20%.

How the Deductible Affects a Financed Total Loss

If your total-loss claim is paid under coverage with an applicable deductible, that amount can reduce the insurance settlement.

Suppose:

Vehicle ACV:

$25,000

Deductible:

$1,000

Simplified settlement:

$24,000

If your loan payoff is:

$26,500

potential shortfall:

$2,500

With a $500 deductible instead:

Settlement:

$24,500

Potential shortfall:

$2,000

The deductible difference can directly affect the loan gap.

Does the Deductible Always Apply?

No.

The answer depends on the coverage paying the claim and how the loss is handled.

Your own collision or comprehensive claim may involve the deductible selected on your policy.

A claim paid directly by another driver's liability insurer can work differently.

Enter only the deductible that actually applies to the scenario you are estimating.

Why the Calculator Has a Manual Taxes and Fees Input

Total-loss treatment for taxes, registration-related amounts, title fees, and similar items can vary by state and claim.

Applying one automatic nationwide percentage would produce misleading estimates.

If your insurer has confirmed that eligible taxes or fees will be added to the settlement, enter that amount.

If you do not yet know the amount, use:

$0

and update the calculation later.

A Full Example With Taxes, Deductible and Loan Payoff

Vehicle ACV:

$31,000

Eligible taxes/fees:

$1,500

Applicable deductible:

$1,000

Estimated primary settlement:

$31,500

Current loan payoff:

$35,000

Potential shortfall before GAP:

$3,500

Confirmed GAP benefit:

$3,000

Potential remaining balance:

$500

What If You Rolled Negative Equity From Your Old Car Into This Loan?

This can make a total-loss situation especially difficult.

Suppose you traded in an old vehicle and still owed:

$5,000 more than it was worth.

That negative equity became part of the new financing transaction.

The new vehicle is later totaled.

Your current loan payoff can now include debt that did not come from the value of the totaled vehicle itself.

A GAP product may limit or exclude certain prior negative equity.

Review the contract carefully rather than assuming the entire remaining balance qualifies.

What If You Financed Dealer Add-Ons?

An auto loan may include more than the car itself.

You may have financed:

• Extended service contracts
• Maintenance plans
• GAP
• Aftermarket products
• Accessories
• Other optional add-ons

Those amounts can increase the loan balance without increasing the vehicle's ACV by the same amount.

This can contribute to negative equity after a total loss.

Some Optional Products May Have Refund Value

If your auto loan is paid off early because the vehicle is totaled, some unused optional products may potentially qualify for cancellation or a prorated refund under their terms.

Examples might include certain:

• Service contracts
• Maintenance plans
• GAP products
• Other cancellable add-ons

A refund could potentially reduce the outstanding loan balance.

Ask the dealer, lender, or product administrator whether any unused product is refundable.

If you specifically need to estimate an unused GAP refund, use our GAP Insurance Refund Calculator.

What If the Car Was Almost Paid Off?

The financial result can look very different near the end of an auto loan.

Suppose:

Estimated settlement:

$16,500

Loan payoff:

$2,800

Potential positive equity:

$13,700

Most of the settlement is no longer needed to satisfy the lender because very little debt remains.

What If You Just Bought the Car?

The opposite problem can occur early in the loan.

Suppose:

Purchase price and financed costs:

$40,000

Loan payoff several months later:

$38,000

Vehicle ACV:

$32,000

Applicable deductible:

$1,000

Estimated settlement:

$31,000

Potential loan shortfall:

$7,000

This demonstrates why GAP can be particularly relevant early in certain auto loans.

A Large Down Payment Can Reduce Negative Equity Risk

Suppose two buyers purchase identical $35,000 vehicles.

Buyer A

Down payment:

$0

Initial financed amount:

approximately $35,000 plus financed costs

Buyer B

Down payment:

$8,000

The second buyer begins with substantially more equity.

If the vehicle is totaled early, Buyer B may be less likely to owe more than the insurance settlement, although the actual outcome depends on depreciation and loan terms.

Long Auto Loans Can Increase the Time You Stay Upside Down

A longer loan term can lower the monthly payment.

But it may also cause principal to decline more slowly.

For example, a borrower with a 72- or 84-month loan may remain in negative equity longer than someone making faster principal progress.

This does not mean every long loan creates a total-loss shortfall, but it is one factor worth considering.

High Interest Does Not Make the Car Worth More

You may pay substantial interest over the life of an auto loan.

That financing cost does not increase the vehicle's ACV.

A car worth $20,000 before an accident remains a $20,000 vehicle for valuation purposes simply because your total scheduled loan payments are much higher.

What If the Insurer's ACV Looks Too Low?

Review the valuation report before focusing only on the loan shortage.

Check whether the insurer used the correct:

• Year
• Make
• Model
• Trim
• Mileage
• Options
• Equipment
• Pre-loss condition
• Comparable vehicles

If a factual error lowers the valuation, correcting it could also reduce the loan shortfall.

A $2,000 ACV Difference Can Matter Twice

Suppose the insurer initially values your vehicle at:

$23,000

Your loan payoff is:

$27,000

Potential shortfall:

$4,000

You identify an error involving the trim level and the corrected ACV becomes:

$25,000

Ignoring other adjustments, the shortfall can fall to:

$2,000

Accurate valuation information can therefore be particularly important when the vehicle is financed.

Comparable Vehicles Should Actually Be Comparable

If you review the insurer's comparable vehicles, look for similarities in:

• Model year
• Trim
• Mileage
• Drivetrain
• Equipment
• Condition
• Relevant geographic market

A newer luxury trim with half the mileage is not necessarily a useful comparison to your vehicle.

Recent Repairs Do Not Automatically Increase ACV Dollar for Dollar

Suppose you recently spent:

$2,500

on tires, brakes, and maintenance.

That does not automatically add $2,500 to the insurance settlement.

Maintenance can support vehicle condition, but ACV is based on pre-loss market value rather than simply adding every repair receipt together.

Keep records anyway, because they may help document condition.

Aftermarket Parts May Need Special Consideration

If your financed vehicle contained substantial aftermarket equipment, review how your policy treats it.

Some modifications may not be fully included in a normal vehicle valuation.

Others may require additional coverage.

Do not assume the full installation price of modifications automatically increases ACV.

What If Another Driver Caused the Total Loss?

If another driver is legally responsible, their property damage liability insurance may be involved.

But the existence of another at-fault driver does not erase your auto loan.

You still need to compare the final property settlement with the lender payoff.

Another driver's liability limit can also affect how much insurance is available.

You can explore those limits with our Property Damage Liability Calculator.

What If the Responsible Driver Has a Low Property Damage Limit?

Suppose your financed vehicle has a covered loss of:

$40,000

but the responsible driver's available property damage liability limit is only:

$25,000

The claim can become more complicated.

Your own collision coverage or other applicable insurance may become important, depending on your policy and circumstances.

What If You Caused the Accident?

If your collision coverage applies, the insurer may determine the vehicle's ACV and subtract your applicable collision deductible.

Your loan payoff still exists regardless of fault.

If the resulting settlement is below your loan balance, GAP or another payoff product may become relevant if you have it.

A Financed Car Can Also Be Totaled Without a Collision

Comprehensive losses can also result in a total loss.

Examples may include covered:

• Theft
• Flooding
• Fire
• Severe hail
• Falling objects
• Vandalism
• Other non-collision losses

The applicable comprehensive deductible may affect the settlement.

What If the Vehicle Is Stolen and Never Recovered?

If comprehensive coverage applies to the theft and the vehicle is not recovered, the insurer may handle it as a total-loss claim.

The same loan issue remains:

Insurance settlement vs current loan payoff.

If the settlement is less than the payoff, a potential loan gap can remain.

Can You Keep a Totaled Financed Vehicle?

Possibly in some circumstances, but having a lender makes the situation more complicated.

The lender has a lien on the vehicle and an interest in the insurance settlement.

Owner-retained salvage can also affect:

• Settlement amount
• Title status
• Lender requirements
• Future insurance
• Repair decisions

Do not assume you can keep the salvage without involving the insurer and lender.

If You Want an Owner-Retained Salvage Estimate, Use the General Total Loss Tool

The financed calculator focuses primarily on:

• Insurance settlement
• Loan payoff
• Negative equity
• Positive equity
• GAP

If you need to model a salvage deduction as well, use our Total Loss Insurance Payout Calculator.

Do Not Finance a Replacement Car Before You Know the Old Loan Status

After a total loss, you may need another vehicle quickly.

But before taking another loan, find out whether the totaled-car loan has been fully satisfied.

Otherwise, you could end up managing:

• A remaining balance on the totaled car
• A new auto loan
• GAP paperwork
• An unresolved insurance claim

Confirm the final payoff before assuming the old debt is gone.

Can the Remaining Total-Loss Balance Be Rolled Into Another Car Loan?

In some transactions, negative equity may be incorporated into new financing if a lender approves it.

But doing so means the old debt becomes part of the new loan.

That can increase:

• The new amount financed
• The monthly payment
• Total interest cost
• The risk of starting the replacement vehicle already upside down

Understand the full financing terms before carrying old debt into a replacement vehicle.

How a Total Loss Can Affect Your Next Insurance Premium

The claim settlement and future premium are separate issues.

Depending on the accident and insurer, future pricing may be affected by:

• Fault
• Accident history
• Claim history
• Claim severity
• Driving record
• State rules
• Accident forgiveness
• Other rating factors

If you want to model a possible accident-related change, use our Accident Insurance Increase Calculator.

What If You Bought GAP but No Longer Need It?

As your loan balance falls, you may eventually reach a point where the vehicle is worth more than you owe.

If you later sell, refinance, or pay off the loan early, an unused GAP product may potentially have cancellation or refund rules.

Check the GAP agreement before assuming it automatically continues or automatically refunds.

Documents to Collect After a Financed Car Is Totaled

Keep a clear file containing:

• Insurance declarations page
• Police or accident information where applicable
• Total-loss valuation report
• Insurance settlement statement
• Lender payoff quote
• Auto-loan agreement
• GAP contract
• GAP claim documents
• Records for optional financed products
• Payment confirmations
• Correspondence with the insurer and lender

You may need information from several different companies before the loan is finally closed.

Ask the Insurer for a Settlement Breakdown

The settlement statement should help you identify:

• Vehicle ACV
• Deductible
• Applicable taxes or fees
• Other adjustments
• Final insurance payment

These figures can be entered directly into the calculator.

Ask the Lender for a Payoff Statement

The lender should be able to identify:

• Current payoff amount
• Payoff expiration date
• Any remaining amounts
• How insurance payment should be sent

The payoff can change with time, so use a current figure.

Ask the GAP Provider for a Benefit Calculation

If a shortfall remains, ask the GAP administrator to explain:

• The eligible loan balance
• The primary insurance settlement used
• Excluded balances
• Deductible treatment
• Benefit limit
• Final GAP payment

Do not rely solely on the name “GAP.”

The contract determines what is actually covered.

What the Calculator's Results Mean

Estimated Primary Settlement

The vehicle ACV plus eligible taxes or fees you enter, minus the applicable deductible.

Amount Available Toward Lender

The portion of the estimated settlement that can be compared with the lender payoff.

Loan Shortfall Before GAP

The amount by which the entered loan payoff exceeds the estimated primary settlement.

Applied GAP Benefit

The known GAP or loan-payoff amount you entered, limited by the shortfall for calculator purposes.

Remaining Loan Balance After GAP

The estimated shortfall still remaining after the entered GAP benefit.

Potential Positive Equity

The estimated amount by which the insurance settlement exceeds the loan payoff.

Settlement-to-Payoff Percentage

The percentage of the entered payoff represented by the estimated primary settlement.

Quick Answers About Financed Car Total Losses

What happens if my financed car is totaled?

The insurer determines the covered total-loss settlement, and the lender's outstanding payoff is then addressed because it has a lien on the vehicle.

Does insurance automatically pay off my car loan?

No. The primary insurance settlement is generally based on the vehicle loss rather than whatever amount remains on your loan.

What if I owe more than my car is worth?

You may have negative equity and could remain responsible for the difference unless applicable GAP or similar protection covers it.

What happens if insurance pays more than I owe?

After the lender's eligible payoff is satisfied, the remaining settlement may generally be payable to you, subject to the claim process.

Who gets the insurance check?

A lender with a lien generally has a financial interest in the settlement. Payment may be directed to the lender or issued according to the insurer's claim procedure.

Does my down payment affect the insurance settlement?

Your original down payment does not directly determine ACV. However, a larger down payment can reduce your loan balance and therefore reduce the risk of negative equity.

Does my interest rate affect my car's ACV?

No. Loan interest affects financing cost, not the vehicle's pre-loss market value.

Should I enter my loan statement balance?

A current lender payoff quote is usually more useful because it tells you the amount required to satisfy the loan at a particular time.

Does GAP always pay the entire shortfall?

No. GAP contracts can contain limits, exclusions, and eligibility requirements.

Does GAP cover my deductible?

It depends on the specific GAP product. Check the contract rather than assuming the deductible is covered.

Can I stop making loan payments after the accident?

Do not stop unless your lender tells you that payments are no longer required. The loan can remain active while the claim is being processed.

Can I challenge the insurance company's vehicle valuation?

You can review the valuation for factual errors involving trim, mileage, options, condition, and comparable vehicles and raise documented concerns with the insurer.

Can I keep the totaled financed vehicle?

Possibly in some cases, but the insurer, lender, title rules, salvage value, and state requirements can all affect that decision.

Can a stolen financed vehicle create negative equity?

Yes. If a covered theft results in a settlement below your loan payoff, a loan shortfall can still exist.

Does total loss erase negative equity from my previous trade-in?

Not automatically. Prior negative equity incorporated into the current financing may remain part of the loan and may not be fully eligible for GAP coverage.

Does the calculator determine the official GAP payment?

No. Only the GAP provider or applicable insurance policy can determine the actual eligible benefit.

Does the calculator provide an official insurance settlement?

No. It uses the figures you enter to create an estimate. The insurer determines the official vehicle valuation and claim payment.

Before Financing Your Next Car, Learn From the Total-Loss Numbers

A total-loss claim can reveal whether your auto loan was keeping pace with vehicle depreciation.

If you had a large shortfall, consider the factors that contributed to it before arranging your next loan.

Questions worth considering include:

• How much am I financing compared with the vehicle's value?
• Am I carrying old negative equity into the new loan?
• How long is the loan term?
• How much am I putting down?
• Which add-ons are being financed?
• Do I need GAP protection?
• What are the GAP exclusions and benefit limits?
• Can I comfortably afford the deductible?

A lower monthly payment is not the only number that matters.

The amount financed, loan term, vehicle depreciation, and insurance protection can become extremely important if the car is totaled before the loan is paid off.

Use Real Numbers Before Deciding What You Still Owe

After a financed car is totaled, avoid relying on guesses.

Get these five figures:

1. Official vehicle ACV

From the insurer's valuation.

2. Applicable deductible

From the claim or policy.

3. Eligible settlement additions

Such as confirmed taxes or fees.

4. Current loan payoff

Directly from the lender.

5. Confirmed GAP or loan-payoff benefit

From the applicable insurer or GAP provider.

Then compare the numbers.

For example:

Vehicle ACV:

$27,000

Eligible additions:

$1,000

Deductible:

$1,000

Estimated primary settlement:

$27,000

Lender payoff:

$30,500

Shortfall:

$3,500

Confirmed GAP benefit:

$3,000

Estimated remaining balance:

$500

This gives you a much clearer picture than asking only, “How much is my totaled car worth?”

For a broader total-loss calculation that can also account for owner-retained salvage, use our Total Loss Insurance Payout Calculator.

For more tools, visit our Insurance Calculators or browse our Auto Insurance Articles.