Free tool · 50 states

What is your totaled car worth?

Four answers, three more if you have them, and the range a total-loss audit would argue for in your state. Every number below says where it came from — the statute or regulation, quoted and dated, or a threshold of ours marked as ours.

Your stateThe rules that apply are the ones where the claim is.

What they offeredThe actual cash value on the settlement summary, before your deductible.

Condition deductions you did not agree toAdd up any amounts taken off for wear, scratches or interior condition that nobody documented with you.

Sales tax already in the offerLeave this at zero if the settlement summary shows no tax line.

More, if you have them

Your sales tax rateOptional. From a bill of sale or your county's rate. Replaces Alabama's state rate, which leaves out local tax.

Title and registration feesWhat a replacement costs to title and register. Alabama's rule puts these in the settlement.

Comparable cars you foundAsking prices of the same year, make and model with similar miles, near you. Two or more.

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What the audit would argue in Alabama

Put in the offer to see a range.

The other five checks need the report

Comparable cars drawn from too far away, listings that have gone stale, mileage that does not match, options the report left off, deadlines that have already run — none of those can be answered from a few numbers. The free audit reads the valuation report itself and checks all seven against Alabama’s rules.

Check the report itself

Free, and your state and offer carry over. The file is read in memory and discarded, never stored.

What this can see

Two of the seven things the audit checks can be answered from memory: condition deductions an insurer took without documenting them with you, and sales tax left out of the settlement. Both turn on a written rule in most states, and where a state has none, the argument moves to its unfair claims practices statute or to the actual cash value your policy promises. The lines above say which of those is doing the work in your state. Give it your own tax rate and it uses that instead of the state’s; give it the title and registration fees and it counts them where your state’s rule puts them in the settlement. Listings you found yourself are set beside the offer as a comparison, outside the range, because they are evidence rather than a rule.

What it cannot

It has not seen your valuation report, so it knows nothing about which comparable cars were used, how far away they were, how stale the listings are, whether the mileage matches, what options were left off, or what deadline is running. Those are the five findings that usually carry the most money, and no calculator can produce them from a few numbers. Anything that says otherwise is guessing.

Where these numbers come from

Each state’s rule is read from the state’s own code, register or regulator, quoted verbatim and dated in a public ledger. Nothing on this page restates a rule from memory: the citation beside a figure links to the quote it came from. Where a state has been read and sets no rule, the ledger says so rather than filling the gap.

The one number that is ours is the low end of the deduction range, which concedes that an adjuster may accept part of an argument rather than all of it, and the rounding that keeps the headline from reading as a computation. Both are published with their reasoning, and both are marked ClaimMath wherever they appear. A rate we have not sourced is shown as unpriced rather than estimated — a blank is honest and a guess is not.

The full rules ledger How we verify a state rule What has changed, and when