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MyAutoTriage

Triage your car insurance claim before the insurer does.

Free calculators and letter generators for every stage of a car insurance claim — figure out what your claim is worth, what your state requires, and what to say when an insurer underpays or denies it.

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No sign-up. No email wall on the calculators. Just answers.

Where does your claim stand?

Answer three questions to get the one thing to do next, the right tool or letter, and your state's deadlines.

Start with a free tool

Every tool below runs in your browser, and what you type stays on your device. The claim diary saves only in your own browser; nothing is sent to us unless you choose to answer the optional claim outcome survey.

Claim Triage: What Should I Do Next? Answer three questions to get your next step, the right tool or letter, and your state's deadlines. Claim Diary Log every call and email on your claim, see your state's deadlines as dates, and get a timeline for a complaint. Rental Car Extension Letter Insurer ending your rental before the car is fixed? Get a letter asking for the extra days, with the reason. Deductible Recovery Calculator Not your fault but you paid the deductible? See how much should come back and what to ask your insurer. Recorded Statement Checklist Adjuster wants to record your statement? See whether you have to, how to prepare and what not to say. Diminished Value (17c) Calculator Estimate how much value your car lost after an accident, using the same 17c formula insurers reference. Total Loss Threshold Calculator See whether your state's total loss rule means your insurer should declare your car a total loss. GAP Insurance Shortfall Calculator Find out if GAP insurance actually covers the gap between your loan balance and your payout. File-a-Claim Break-Even Calculator Compare your deductible against paying out of pocket before you file a small claim. Car Insurance Refund Calculator Estimate how much prepaid premium you get back when you cancel a policy early, pro-rata or short-rate. Car Accident Lawsuit Deadline Calculator Find the last day to sue after a car accident in your state, for injuries or car damage, and how many days are left. Comparative Fault Payout Calculator Partly at fault? See how much you can still recover from the other driver under your state's fault rule. Michigan Mini-Tort Calculator Michigan crash? See how much of your deductible or uncovered damage, up to $3,000, the at-fault driver owes. Loss of Use Calculator Work out what the at-fault insurer owes for the days you were without your car, rental or not. Total Loss Valuation Checker Check the comparables, adjustments, tax and fees in your total loss valuation report and see how much is in question. Late Claim Payment Interest Calculator Estimate the interest owed when an insurer pays your claim after the legal deadline. Claim Payment Deadline Lookup Look up how many days your state gives an insurer to acknowledge, decide, and pay your claim. Auto Insurance Demand Letter Generator Generate a professional demand letter for property damage, underpayment, or diminished value in minutes. Claim Denial Appeal Letter Generator Turn a denied auto insurance claim into a clear, evidence-backed written appeal.

Car insurance claim laws by state

Claim deadlines and total loss rules for every state, with the law behind each one. Compare all states

Three steps to triage any claim

1

Know what happened first

Read the right guide for your situation — an accident, a denial, an underpaid check, or a total loss — before you talk to an adjuster.

2

Run the numbers

Use a calculator to get an independent, evidence-based estimate — diminished value, total loss threshold, or a GAP shortfall — before you accept an offer.

3

Put it in writing

Generate a clear, professional letter — a demand letter or a denial appeal — that documents your number and your reasoning.

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Frequently asked questions

Is MyAutoTriage affiliated with any insurance company?

No. MyAutoTriage is an independent educational resource. We do not sell insurance, adjust claims, or represent insurers or policyholders.

Are the calculators free to use?

Yes. Every calculator and letter generator on this site is free, requires no account, and runs entirely in your browser.

Can I use the generated letters as-is?

The generators produce a solid first draft based on the details you enter. Review it, add any facts specific to your claim, and consider having an attorney review anything involving a large sum or an injury before you send it.