Auto calculator

See the payoff, GAP, deductible, and rental pieces before they blur together.

Estimate a visible total-loss cashflow path from the numbers you can find. Use it for an active claim, a financed or leased vehicle, or a policy review before something happens.

About 2 minutes No contact info before results Not sure is okay Built for financed and leased vehicles

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.

What this calculator is for.

It estimates a visible total-loss cashflow path 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, carrier rules, 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 the visible shortfall or equity.

Why this matters: Reddit total-loss and GAP questions repeatedly confuse actual cash value, deductible, loan payoff, and who gets paid first.

Source: PureCover Insurance Car Total Loss, GAP And Rental Cashflow Check.

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: Progressive publicly describes loan/lease payoff as similar to GAP but potentially capped, and dealer or finance GAP is contract-controlled.

Source: PureCover Insurance Car Total Loss, GAP And Rental Cashflow Check.

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: the existing Auto Coverage Decoder and Reddit research both show that full coverage language hides missing optional coverages.

Source: PureCover Insurance Car Total Loss, GAP And Rental Cashflow Check.

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 shows the visible rental runway from the entered daily, day, and aggregate limits but does not decide a claim.

Source: PureCover Insurance Car Total Loss, GAP And Rental Cashflow Check.

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 responds after a covered total loss or theft path, so the physical damage coverage shown on the auto policy matters.

Source: PureCover Insurance Car Total Loss, GAP And Rental Cashflow Check.

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: the calculator is built to make the next review conversation clearer, not to decide whether a claim value is fair.

Source: PureCover Insurance Car Total Loss, GAP And Rental Cashflow Check.

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.

Send total-loss, GAP, and rental summary

Your calculator summary can be copied into notes below. Uploading the auto declarations page, total-loss offer, payoff statement, GAP contract, rental page, or lienholder documents is optional but helpful.

First name

Last name

Email

Phone

State

ZIP code

Coverage interest

Current carrier

Renewal date

Additional drivers, insureds, or household people

Optional. Add regular drivers, co-applicants, a spouse or partner, other named insureds, or anyone else who should be reviewed with the policy.

Lenders, mortgagees, HELOCs, HOAs, or other interests

Optional. Use this for auto lenders, lessors, mortgagees, home-equity loans, HELOCs, HOAs, landlords, property managers, certificate holders, or other parties that should be listed or reviewed.

Notes

Documents to upload

Document type 1

File 1

Optional. Attach up to 4 PDF or image files. Each file can be up to 8 MB, with a 20 MB total upload limit. Your confirmation email will include a Request ID and a link to add documents later.

By checking this box and submitting this form, I agree that PureCover Insurance may contact me at the phone number and email address I provide about my coverage review or quote request, including by phone, text message, and email. Calls or texts may use automated technology or a prerecorded/artificial voice. Message and data rates may apply. Consent is not a condition of purchase. I can reply STOP to opt out of texts or contact PureCover Insurance to revoke consent. I agree to the Terms of Use and acknowledge the Privacy Policy. Coverage is not bound or changed through this website.

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You can still request a GAP or auto coverage review at Review My Coverage.