Vehicle value or offer minus selected deductible, plus entered fees.
Auto calculator
See how the total-loss offer, payoff, GAP, deductible, and rental pieces may line up.
Use the numbers you can find to organize the cash and document questions after a totaled or stolen car, before buying or leasing, or during a policy review.
Start total-loss check About 2 minutes No contact info before results Not sure is okay Useful for financed, leased, or owned vehicles
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What are you trying to sort out?
This is a review estimate. It does not decide coverage, claim value, GAP payment, rental payment, or whether a vehicle must be totaled. Policy, contract, lender, carrier, and claim documents control.
Start with what you know
Start with the numbers you can find. The result explains what is still missing.
The calculator separates the vehicle value or offer, deductible, loan or lease payoff, GAP terms, rental limits, and cash you may need before everything is settled.
Result
Your total-loss and GAP result
Enter the details above, then calculate to see the settlement, payoff, GAP, rental, and document review cards.
Shortfall or equity based on entered numbers.
Contract terms and caps must be verified.
Based only on entered rental limits.
The deductible is already reflected in net settlement.
Your result stays on this page until you copy, open an email draft, print, share, or send it to PureCover.
What the result terms mean
- Actual cash value / settlement amount
- The vehicle value or total-loss offer before the payoff balance or GAP contract is reviewed.
- Payoff / loan or lease balance
- The amount the lender or lessor says is still owed on the vehicle.
- GAP or loan/lease payoff
- A separate policy option or finance contract that may address part of a payoff shortfall, subject to its own terms.
- Rental reimbursement
- A separate rental limit or transportation expense limit, not the same as GAP.
- Cash needed / negative equity
- Money the entered numbers suggest may still need planning, such as remaining payoff or a replacement down payment. It is not a claim payment or lender decision.
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What this calculator is for.
It estimates the total-loss cash questions from ACV or offer, deductible, loan or lease payoff, GAP or loan/lease payoff status, rental limits, and replacement cash needs.
What it does not decide.
It does not decide claim value, coverage, fault, total-loss status, rental entitlement, GAP payment, loan legality, or whether you should accept an offer.
PureCover answers
Total loss, GAP, loan payoff, and rental questions this calculator can answer.
These answers explain the same review logic the calculator applies. The declarations page, policy, GAP contract, loan or lease agreement, claim valuation, written claim documents, and facts still control.
If my car is totaled and I owe more than it is worth, what happens?
The auto settlement and the loan balance are separate. This calculator estimates the net settlement from the value and deductible entered, compares it with the loan or lease payoff, then shows whether the entered numbers point to a shortfall, equity, or missing document.
Why this matters: the settlement amount, deductible, lender payoff, and payment order can be different parts of the same total-loss situation.
Does GAP pay the whole loan balance?
Not always. GAP, carrier loan/lease payoff, lease GAP, and dealer finance contracts can have caps, exclusions, deductible rules, missed-payment rules, or prior-balance limits.
Why this matters: the auto policy endorsement or finance contract controls what is included, capped, excluded, or still owed.
Does full coverage include GAP or rental reimbursement?
Full coverage is not a precise policy term. Comprehensive, collision, rental reimbursement, roadside, GAP, and loan/lease payoff are separate things to verify.
Why this matters: a broad phrase like full coverage can hide separate choices on the declarations page and in finance paperwork.
Why did rental reimbursement stop after a total-loss offer?
Rental reimbursement is controlled by the policy limit, daily limit, facts, and claim process. Idaho DOI consumer guidance notes rental payment may stop after an initial total-loss offer.
Why this matters: the calculator estimates rental dollars or days from the limits entered, but it does not decide whether a claim pays rental.
Do I need comprehensive and collision for GAP or loan/lease payoff?
Many GAP or loan/lease payoff paths assume the vehicle has physical damage coverage. If comprehensive or collision is not shown for the vehicle, that is a high-priority document review item.
Why this matters: GAP usually depends on the claim and policy path, so the vehicle-specific comprehensive or collision lines should be checked.
What documents should I gather after a total loss?
Gather the auto declarations page, full auto policy if available, total-loss offer or valuation report, payoff statement, GAP contract, rental reimbursement page, lienholder or lessor statement, title or registration, and recent major-work receipts if value is disputed.
Why this matters: those documents let PureCover review the policy, payoff, GAP, rental, and claim paperwork without guessing.
Glossary
Terms used in this calculator.
Actual cash value (ACV)
A claim-value concept often described as replacement cost minus depreciation.
Total loss
A claim handling result where repair cost and vehicle value make a repair path impractical or unavailable under the policy and law.
Deductible
The amount subtracted from the claim payment path before the settlement estimate is applied.
Comprehensive / other-than-collision
Vehicle damage coverage for events such as theft, fire, hail, animal impact, glass, or similar non-collision causes, subject to policy terms.
Collision
Vehicle damage coverage for collision with another vehicle or object, or vehicle upset, subject to policy terms.
GAP
A product or endorsement that may address some difference between a covered vehicle value and loan or lease balance, subject to contract terms.
Loan/lease payoff
A carrier policy option that may be similar to GAP but can have its own cap and conditions.
Lienholder / lessor
The lender, leasing company, or finance party that may be listed on the policy and paid before the owner receives remaining settlement funds.
Negative equity
When the loan or lease payoff is higher than the vehicle value or settlement path.
Rental reimbursement
Optional coverage that may reimburse rental vehicle cost up to daily, day, or total limits after a covered claim.
Aggregate rental limit
The maximum total rental reimbursement amount shown by the policy or endorsement.
Endorsement
A policy form that changes, adds, limits, or explains coverage.
Review request
Review and update any missing information.
PureCover can review what your policy appears to show, what documents are missing, and what to compare before replacing or changing coverage. Nothing is sent until you submit the form.
Your optional details and calculator summary were filled in below. Review the form and press Send Review Request only when you are ready.