At-Fault Claim Cost Calculator

Plan claim costs before you file or renew. Adjust coverage, deductibles, and repair assumptions easily. Download results for records and share with advisors securely.

Calculator Inputs
Large screens: 3 columns. Smaller: 2 columns. Mobile: 1 column.
Fields accept commas (e.g., 12,500).
Used for display only.
Used to scale liability costs (and optionally your own).
Only enable if your policy/jurisdiction reduces payouts.
Estimated actual cash value before the incident.
Body shop/adjuster estimate, excluding deductible.
If repair ≥ threshold × adjusted value, treat as total loss.
Applied to vehicle value for a conservative payout estimate.
Deducted from total-loss base if you keep salvage.
Max payable under your own damage coverage.
Applied to your own vehicle payout if enabled.
Some coverages have waivers; set to No if applicable.
Repairs/replacement for the other party’s vehicle/property.
Medical, injury, and related costs for others.
If the fault-scaled claim exceeds this, you pay the rest.
Days you expect to need a rental car.
Daily rental cost before reimbursements.
Maximum reimbursable rental days.
Maximum reimbursable daily rate.
Used for estimating surcharge and discount loss.
Applied to annual premium × fault share.
Use 0 if you won’t lose a discount.
How long the surcharge/discount effect may last.
Add only if you expect uncovered expenses.
Towing, travel, downtime, admin fees, etc.
Reset
Formula Used
  • Fault share = Fault% ÷ 100.
  • Adjusted value = ACV × (1 − Depreciation%).
  • Total loss test: Repair ≥ Threshold% × Adjusted value.
  • Your loss basis = Repair cost, or (Adjusted value − Salvage) if total loss.
  • Your insurer payment = min(Coverage limit, loss basis) − deductible (if applicable), floored at 0.
  • Your out-of-pocket = deductible + max(0, loss basis − coverage limit).
  • Liability portion = (Other property + injury) × fault share.
  • Liability out-of-pocket = max(0, liability portion − liability limit).
  • Rental covered = min(days, max days) × min(rate, max rate).
  • Premium impact = Years × (Annual premium×Surcharge%×fault share + Annual premium×Discount loss%).
  • Total out-of-pocket = incident costs + premium impact.
Tip: Use conservative inputs to avoid underestimating costs.
How to Use This Calculator
  1. Enter your vehicle value, repair estimate, deductible, and coverage limit.
  2. Add other-party damages and your liability limit.
  3. Set fault percentage for shared-fault scenarios.
  4. Optionally include rental needs, fees, and uninsured costs.
  5. Estimate premium changes using surcharge, discount loss, and years impacted.
  6. Click Calculate, then download CSV/PDF for your records.
If you have multiple quotes, run scenarios (best, expected, worst) and compare.
Example Data Table
Scenario ACV Repair Deductible Liability Total Monthly Premium Out-of-Pocket Insurer Payments
Sample $15,000 $7,000 $500 $16,500 $120 $1,921 $23,175
Higher Deductible $15,000 $7,000 $1,000 $16,500 $120 $2,421 $22,675
Lower Liability Limit $15,000 $7,000 $500 $16,500 $120 $2,921 $22,175
Examples are illustrative and assume 100% fault, 3-year impact, 20% surcharge, and 10% discount loss.
Notes & Assumptions

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.