Plotly Claim Preview
Submit the form to replace this sample with your claim result.
Calculator Inputs
Example Data Table
Use these example rows to understand how different assumptions change the claim estimate.
| Scenario | Daily Rate | Repair Days | Delay Days | Utilization | Class Multiplier | Seasonal Multiplier | Taxes | Mitigation Credit |
|---|---|---|---|---|---|---|---|---|
| Compact commuter | $42.00 | 5 | 2 | 100% | 0.95 | 1.00 | 10% | $15.00 |
| Mid-size sedan | $58.00 | 9 | 6 | 100% | 1.00 | 1.05 | 12% | $40.00 |
| Family SUV | $76.00 | 11 | 4 | 95% | 1.20 | 1.08 | 13% | $60.00 |
| Luxury vehicle | $128.00 | 14 | 8 | 90% | 1.55 | 1.12 | 15% | $100.00 |
Formula Used
Raw Downtime Days = Repair Days + Parts Delay Days + Administrative Delay Days
Payable Days = Minimum of Raw Downtime Days and Days Cap
Adjusted Daily Rate = Daily Rental Rate × Vehicle Class Multiplier × Seasonal Multiplier × Utilization Factor
Base Loss of Use = Adjusted Daily Rate × Payable Days
Taxes and Fees = Base Loss of Use × Tax and Fee Rate
Net Loss of Use = Base Loss of Use + Taxes and Fees − Mitigation Credit
This structure helps model rental-value damages using market rate assumptions, downtime, modifiers, and reasonable offsets.
How to Use This Calculator
- Enter the comparable vehicle and market rental rate.
- Add repair time, parts delay, and administrative delay days.
- Set utilization, vehicle class, and seasonal multipliers.
- Include taxes, fees, and any mitigation credit.
- Add a days cap if your policy or claim requires one.
- Press the calculate button to view the estimate above the form.
- Review the chart, summary table, and daily claim growth.
- Export the result to CSV or PDF for documentation.
Frequently Asked Questions
1. What does loss of use mean?
Loss of use estimates the value of being unable to use a vehicle during repairs or claim-related downtime. It often relies on comparable rental evidence.
2. Which daily rate should I enter?
Use a realistic local rental rate for a similar vehicle class. Avoid unusually low promotional prices unless they reflect ordinary market availability.
3. Why include parts delay days?
Parts delays can extend the period when the vehicle remains unavailable. Some claims accept these days when the delay is documented and reasonable.
4. What does utilization factor change?
It adjusts the claim for actual expected use. A lower percentage can reflect shared vehicles, seasonal storage, or reduced personal driving needs.
5. Why use a class multiplier?
Vehicle classes often carry different rental values. The multiplier helps align a basic rate with the damaged vehicle’s market segment.
6. What is mitigation credit?
Mitigation credit represents savings or offsets, such as substitute transportation already provided. Subtracting it avoids overstating the claim.
7. Should taxes and fees be included?
Many rental comparisons include taxes and standard fees because they affect the real replacement cost. Local rules and claim practices may differ.
8. Is this calculator a legal opinion?
No. It is an estimating tool for planning and documentation. Always confirm claim standards, policy terms, and local legal guidance before final use.