Vehicle Damage Claim Calculator
Estimate the net payout for a vehicle damage claim after depreciation and deductible.
Disclaimer: Claim estimates are illustrative only. Actual settlements depend on your policy terms and insurer's assessment.
Calculate
Enter your values below.
Result
Estimated net payout
0
Actual Cash Value
0
Disclaimer: Claim estimates are illustrative only. Actual settlements depend on your policy terms and insurer's assessment.
Formula used
Net payout = (Repair cost − Depreciation) − Deductible
Example: $6,000 repair, 15% depreciation, $1,000 deductible → net payout = $4,100.
How to use this calculator
- Enter Repair / replacement cost, Depreciation (%), Deductible.
- Press Calculate to see your result instantly.
FAQ
Frequently asked questions
Why is depreciation applied to a vehicle repair claim?
Some policies pay out on an ACV basis, factoring in the vehicle's or parts' depreciation rather than full replacement cost.
Does every auto policy apply depreciation?
No, it depends on your specific coverage — some 'new car replacement' policies don't apply depreciation.
What if the deductible exceeds the ACV payout?
The net payout is floored at zero — you wouldn't owe money back for a small claim.
Is this the same as a total loss calculation?
No — for a full vehicle write-off scenario, see the Total Loss Claim Calculator.