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Free Insurance Claim Tools

Free calculators and utilities to help you understand and document your auto insurance claim. Built by the InsurifyAI team to give consumers the upper hand.

Free

Diminished Value Calculator

Estimate how much resale value your vehicle lost after an accident — even after repairs. Uses the industry-standard 17c formula.

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Free

Settlement Estimator

Estimate the full value of your auto insurance claim in under 60 seconds using the same multiplier method that adjusters use.

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Free

Demand Letter Preview

See exactly what a professional auto insurance demand letter looks like for your claim. Free preview, no signup required.

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Free

Total Loss Calculator

Find out if your car is a total loss based on repair costs vs. actual cash value. Includes state-specific thresholds and gap insurance guidance.

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Free

Pain & Suffering Calculator

Estimate pain and suffering damages using the multiplier method and per diem method. Get a settlement range based on injury severity.

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Free

Claim Timeline Estimator

Estimate how long your insurance claim will take from filing to settlement. Personalized timeline with milestones by claim type.

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Free

Police Report Decoder

Paste your accident report and get a plain-English explanation of every citation, contributing-factor code, and what it means for your claim.

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