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Free total-loss tools

Use these free tools to check your state rights, evaluate your offer, and decide whether to push back. No account required.

Settlement Calculator

Compare your insurer's offer to fair market value and estimate the dollars you might recover by negotiating.

Diminished Value Calculator

Free 17c (Mabry) diminished-value estimator. Find out how much resale value you lost after the repair.

State Rights Checker

Pick your state and instantly see your total-loss threshold, statutory rights, and licensing rules.

Self-Check: Is My Offer Too Low?

Five fast checks that reveal whether your insurance company's offer is fair or whether you're being lowballed.

Free Offer Analysis

Upload your insurance company's market valuation report and get a no-obligation analysis from our team.

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By Insurer

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Guides

  • How Insurers Calculate a Totaled Car's Actual Cash Value
  • How to Read the Comparables in a Total-Loss Valuation
  • When Is a Car Totaled? Total-Loss Thresholds Explained
  • What a Total-Loss Settlement Includes, Line by Line
  • Condition and Prior-Damage Deductions in a Total Loss
  • Aftermarket Parts and Upgrades in a Total-Loss Payout
  • What to Do When Your Car Is Totaled: The Complete 2026 Guide
  • Is My Total-Loss Offer Too Low? 5-Minute Self-Check
  • The Appraisal Clause: Your Most Powerful Total-Loss Tool
  • How to Read a CCC ONE Total-Loss Valuation Report
  • Diminished Value vs. Total Loss: What's the Difference?
  • Salvage Retention: Should You Keep Your Totaled Car?
  • All guides →

Glossary

  • Actual Cash Value (ACV)
  • Fair Market Value
  • Appraisal Clause
  • Total Loss Threshold
  • Comparable Sales (Comps)
  • CCC ONE
  • Mitchell WorkCenter
  • Audatex Autosource
  • Diminished Value
  • Salvage Title
  • Rebuilt Title
  • Umpire
  • Full glossary →

Resources

  • Free Tools
  • Settlement Calculator
  • Diminished Value Calculator
  • State Rights Checker
  • Compare Valuation Vendors
  • Free Templates & Worksheets

© 2026 SecondAppraisal Inc. All rights reserved.

Headquartered in Salt Lake City, Utah · Serving drivers in 43+ states

SecondAppraisal gives you an independent second appraisal of your totaled vehicle. We are an independent vehicle appraisal consultancy, not affiliated with any insurance carrier. We never work for the insurer on the other side of your claim.

Not legal advice. SecondAppraisal Inc. is not a law firm. The state-law information on this site is general educational content and not legal advice. For advice on your specific situation, consult a licensed attorney in your state. Read full disclaimer.

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