Pre-Claim Triage Calculator
A browser-only educational estimate for comparing your own inputs.
Use the vehicle you are deciding about. This field is not sent or saved.
An estimate is fine; it is a context input, not a valuation.
Use an independent physical repair estimate, not a guess.
Enter the deductible that would apply to this loss.
State can affect notice, coverage, and legal context.
Which insurer would receive the formal claim?
Start at $0 because no premium change is assumed. Add your own documented or conservative estimate if you want to model one.
Tie this to documented damage and market evidence if available. This is not a fixed industry number.
Runs in this browser only. Nothing is stored or transmitted.
Your modeled result
Use your own facts and assumptions. The result will compare them transparently; it will not predict an insurer’s decision.
Out-of-pocket deductible
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Premium impact / assumption
Resale equity / estimate
Conclusion
Enter your facts to compare the modeled exposure.
Next three actions