Plan roadside claim expenses using detailed cost components. Adjust coverage, deductibles, and surcharges with ease. See totals fast, then export your report securely.
| Scenario | Included | Billable | Copay | Coverage | Tax | Total |
|---|---|---|---|---|---|---|
| Towing, urban, 10 included | 10 mi | 12 mi | ₨ 0.00 | ₨ 0.00 | ₨ 16.20 | ₨ 218.70 |
| Lockout, highway, copay | 0 mi | 0 mi | ₨ 25.00 | ₨ 0.00 | ₨ 9.60 | ₨ 154.60 |
| Recovery, remote, premium tier | 0 mi | 20 mi | ₨ 0.00 | ₨ 75.00 | ₨ 28.80 | ₨ 388.80 |
| Tire change, rural, cap enabled | 0 mi | 0 mi | ₨ 0.00 | ₨ 50.00 | ₨ 4.00 | ₨ 54.00 |
Roadside claims are usually driven by towing distance, dispatch timing, and labor intensity. A typical tow charge combines a base fee plus a per-mile rate. Labor is often billed in 0.1-hour increments. Recovery fees may apply when winching is required. Storage costs add up daily when vehicles are held. Use included distance to reflect plan allowances and reduce billable miles.
The estimate starts with a subtotal of towing, labor, parts, fees, storage, rental, and optional recovery charges. The subtotal is then adjusted using multipliers for claim type, location, provider tier, vehicle age, claim frequency, heavy-duty needs, and optional inflation. Discounts reduce the adjusted subtotal before coverage is applied. Copay is added to the remaining payable amount, then tax and deductible are applied to produce the final total.
Membership coverage reduces the payable cost, but it cannot exceed the post-discount amount. A max payable cap can limit the payable portion before copay and tax, which helps model plans that stop paying after a threshold. Deductible increases out-of-pocket after tax. If your plan includes a fixed copay, keep it separate from deductible so the results reflect real cost sharing.
The distance sensitivity chart shows how totals change as towing distance increases, while keeping other inputs constant. This helps with budgeting for roadside risk across routes and territories. If you have an included distance benefit, you should see a flatter curve until the allowance is exceeded. For remote locations, the curve rises faster due to the location multiplier.
Use the exports to attach estimates to internal approvals, vendor comparisons, and claim file notes. The summary includes key assumptions such as distance unit, billable miles, and the combined multiplier value. For audits, keep consistent rounding rules and document why you used provider tier or inflation. This approach supports repeatable reviews and more accurate quarterly cost tracking.
Included distance reduces billable towing distance. The calculator subtracts it from entered distance, then prices only the remaining miles or converted kilometers.
Location and tier multipliers reflect cost variability from service availability and pricing level. They help you model urban, rural, remote, economy, and premium assumptions consistently.
Discounts reduce the adjusted subtotal first. Coverage is applied after discounts, capped so it cannot exceed the remaining amount.
The cap limits the payable amount before copay and tax. It is useful for plans that stop paying after a threshold or for internal budgeting ceilings.
No. Sensitivity is a scenario view using the same inputs and multipliers while varying towing distance. Downloads still reflect only your submitted values.
Use rounding to match how totals are reported internally. Nearest 1 improves readability, while nearest 10 or 100 supports budgeting when inputs are uncertain.
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.