Value minus deductible
Static worked example — not your live result.
20,000 − 1,000 = 19,000
Input
Vehicle value 20,000; deductible 1,000; no extra adjustments
Output
Estimated settlement 19,000
Specialized Calculators
Totaled Car Value Calculator
Use this totaled car value calculator to sketch an estimated settlement from the actual cash value you enter, minus the deductible, plus or minus any adjustments you add. Insurers set payouts from market comps, policy terms, and salvage rules — so the figure here is an estimate, not a guaranteed insurance payout.
How the Totaled Car Value Calculator Works
Step 1
Enter Your Vehicle Value
Enter the pre-loss or actual cash value estimate you want to model.
Step 2
Enter Your Deductible
Enter the collision or comprehensive deductible from your policy.
Step 3
Review Your Estimated Settlement
Review estimated value, then add salvage or other adjustments if they apply.
Factors That Can Affect a Total-Loss Settlement
- Live estimate from vehicle value minus deductible
- Optional taxes, fees, and other policy adjustments
- Optional salvage deduction if you keep the vehicle
- Currency selector so amounts are not locked to one country
- Transparent formula shown with your numbers
Inputs This Calculator Uses
Input formats
- Vehicle value
- Deductible
- Optional adjustments
Output formats
- Estimated settlement
Supported formats
- Currency amounts
Examples
Frequently Asked Questions
How is the value of a totaled car estimated?
This tool subtracts the deductible from the vehicle value you enter, then applies any additions, deductions, or salvage you provide. Insurers typically start from actual cash value (market value immediately before the loss), which can differ from what you paid for the car.
Does the deductible reduce the settlement?
In a typical total-loss claim, the deductible is subtracted from the vehicle’s actual cash value. Your policy and jurisdiction can change that treatment.
Is this an official insurance settlement?
No. Actual settlements depend on comparable vehicles, taxes and fees, salvage retention, coverage limits, and the insurer’s valuation method.
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