Is My Car Totaled? Total Loss & Gap Insurance Calculator

Wondering if your car is a total loss and whether you'd still owe money on it?

Answer a few quick questions to get an estimate* based on your state's total loss rules and your loan or lease balance.

Trying to figure out how much car insurance will cost you? Get a free quote for gap insurance coverage online in under 10 minutes!

Questions

What state is your vehicle registered in?

What was your vehicle’s worth before the accident?

$

What’s the estimated cost of repairs?

$

Do you finance or lease this car?

This tells us whether a payout gap is possible. If you own your car outright, you won't have a coverage gap, but you can still check your total loss estimate above

What's your current loan or lease payoff balance?

$

What is your collision or comprehensive deductible?

This is the amount your insurer subtracts from your payout. Check your policy declarations page if you're not sure.

Do you have gap insurance for this car?

Gap insurance covers the difference between what you owe and what your insurer pays out. Check your policy documents or contact your insurance company to confirm coverage. In some instances, gap coverage may have been purchased when you bought the car or through your lender.