Free tools
Each one runs in your browser, answers a single question, and asks for nothing in return. No email, no account.
A diminished value claim raises the same handful of questions in the same order. What is the insurer going to offer. How long do I have. Does my state even recognise this. Is the figure in front of me their formula or something else. What do I need to send. Each of those has an exact answer, and none of them needs an account or an email address to get.
The arithmetic and the jurisdiction data are public, and they are published under each tool rather than hidden behind it — so you can check the result on a worksheet instead of taking it on trust. Nothing you type is submitted, stored or emailed.
None of them estimates what your car actually lost. That is what the free calculator does, and it is also free.
Insurer formula
17c formula calculator
Run the formula insurers use on your own three numbers and see the figure it produces, with every multiplier shown.
What will the insurer's formula pay on my car?
Deadlines
Claim deadline checker
How long a property-damage claim stays open in each of the 51 US jurisdictions, with the small claims court and limit for each.
How long do I have left to act?
Offers
Offer checker
Put the figure the insurer offered next to the figure their own formula produces, and see which of the two you are looking at.
Is the offer I received the formula's number?
State rules
State rules checker
Whether a state recognises a diminished value claim against the other driver's insurer, against your own policy, or neither, with the authority for each.
Can a claim be made where I live?
Evidence
Document checklist
The documents a diminished value claim is built from, sorted into what you already have, what the repairer holds and what the insurer sent you.
What do I need to gather?
The same arithmetic, for a particular question
People arrive asking about a guide value, a history report or their own state. These pages answer that question first and run the calculator second.
Start with your number.
The estimate is free. No account, no payment.
About 2 minutes · No account · No credit card
This is an estimate, not an appraisal or a promise of payment. It's based on the information you entered and general market data. Insurers may dispute or deny claims. Read the full disclaimer.