Free Auto Insurance Claim Tools

Free, no-signup tools to help you triage a car insurance claim from start to finish — figure out what your claim is worth, what your state requires, and what to say when an insurer underpays or denies it.

Not sure where to start

Answer three questions for your next step, then keep a dated record of every call.

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.

It just happened

Before you file or give a statement: whether to claim at all, how fault splits, and how long you have to sue.

Recorded Statement Checklist Adjuster wants to record your statement? See whether you have to, how to prepare and what not to say. File-a-Claim Break-Even Calculator Compare your deductible against paying out of pocket before you file a small claim. 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. 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.

Repairs, rental and an offer that looks low

What the at-fault insurer owes beyond the repair bill, and a letter that asks for it.

Loss of Use Calculator Work out what the at-fault insurer owes for the days you were without your car, rental or not. Rental Car Extension Letter Insurer ending your rental before the car is fixed? Get a letter asking for the extra days, with the reason. Diminished Value (17c) Calculator Estimate how much value your car lost after an accident, using the same 17c formula insurers reference. Deductible Recovery Calculator Not your fault but you paid the deductible? See how much should come back and what to ask your insurer. Auto Insurance Demand Letter Generator Generate a professional demand letter for property damage, underpayment, or diminished value in minutes.

My car was totaled

Check the total-loss call, the valuation report behind the offer, and what you would still owe on the loan.

Total Loss Threshold Calculator See whether your state's total loss rule means your insurer should declare your car a total loss. Total Loss Valuation Checker Check the comparables, adjustments, tax and fees in your total loss valuation report and see how much is in question. GAP Insurance Shortfall Calculator Find out if GAP insurance actually covers the gap between your loan balance and your payout.

The claim is late or denied

Your state's payment deadlines, the interest owed on a late payment, and a written appeal.

Claim Payment Deadline Lookup Look up how many days your state gives an insurer to acknowledge, decide, and pay your claim. Late Claim Payment Interest Calculator Estimate the interest owed when an insurer pays your claim after the legal deadline. Claim Denial Appeal Letter Generator Turn a denied auto insurance claim into a clear, evidence-backed written appeal.

Cancelling or switching a policy

How much prepaid premium comes back when you cancel early.

Car Insurance Refund Calculator Estimate how much prepaid premium you get back when you cancel a policy early, pro-rata or short-rate.

Demand letters for your situation

The same free generator, pre-set for the most common claim situations: