Collision Claim Cost Calculator

Track every cost from crash to closure. Adjust coverages, deductibles, and liability splits easily here. See totals, payouts, and your out-of-pocket instantly at once.

Enter claim details

Use as many fields as you need; blanks count as zero.
Repairs
Labor, parts, materials, and shop-related items.
Total billed hours from the shop.
Enter your local market labor rate.
OEM, aftermarket, or used parts total.
Paint, blends, supplies, materials.
Alignment, calibrations, scans, etc.
Commonly 0 to 10; capped at 30 here.
Logistics
Towing, storage, and rental costs.
If the vehicle was held at a lot.
Include fees if you want them inside.
People and incident costs
Medical, wages, and other expenses.
Ride shares, parking, fees, incidentals.
Adjustments
Tax, depreciation, deductible, limits, and recoverable share.
Capped to 15% for sanity.
Applied to parts as a reduction (0 to 50).
Your deductible amount for coverage used.
Leave 0 if no cap applies to estimate.
100 if fully covered; lower for shared fault.
PDF downloads the results area with charts.

Example data table

Sample values below demonstrate typical inputs and outputs. Your numbers will differ by market, severity, policy terms, and claim handling.

Scenario Key inputs Estimated outcome
Minor front bumper 8 hrs @ $75, parts $650, materials $180, rental 3 days @ $45, tax 7%, deductible $500 Adjusted total approx $1,658, payment approx $1,158, out-of-pocket approx $500
Moderate side impact 18 hrs @ $85, parts $1,450, materials $420, sublet $180, towing $175, rental 7 days @ $49, tax 7.5%, deductible $500 Adjusted total approx $4,706, payment approx $4,206, out-of-pocket approx $500
Shared fault recovery Same as moderate, recoverable share 60%, deductible $500, coverage limit $3,000 Payment capped at $3,000, higher out-of-pocket expected

Formula used

Repair and incident subtotal
  • Labor cost = Labor hours x Labor rate
  • Repair base = Labor cost + Parts + Materials + Sublet
  • Shop fees = Repair base x (Shop fee % / 100)
  • Storage = Storage days x Storage rate
  • Rental = Rental days x Rental rate
  • Subtotal = Repair base + Shop fees + Towing + Storage + Rental + Medical + Lost wages + Other
Tax, adjustments, and payment
  • Taxable base = Parts + Materials + Shop fees
  • Tax = Taxable base x (Tax rate % / 100)
  • Gross total = Subtotal + Tax
  • Betterment = Parts x (Betterment % / 100)
  • Adjusted total = Gross total - Betterment
  • Eligible = Adjusted total x (Recoverable % / 100)
  • Payment = min(Coverage limit, max(Eligible - Deductible, 0))
  • Out-of-pocket = Adjusted total - Payment

The model is conservative and transparent. If your jurisdiction taxes labor, or your carrier taxes different items, adjust by adding those amounts into "Other expenses."

How to use this calculator

  1. Enter repair labor hours and the shop's hourly rate.
  2. Add parts, paint materials, and diagnostic or calibration costs.
  3. Include towing, storage, and rental days if applicable.
  4. Add medical bills, lost wages, and other incident expenses.
  5. Set tax rate and any betterment/depreciation applied to parts.
  6. Enter your deductible, and optional coverage limit if known.
  7. Use recoverable share to model shared fault or partial recovery.
  8. Click Calculate to view totals, payment, and charts.

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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.