Auto Accident Calculator
Last updated: August 22, 2026
This isn't a settlement value estimator — it adds up what an accident actually cost you out of your own pocket: deductible, unreimbursed repairs, missed work, medical copays, and the ripple effect on your insurance premium.
This tool gives a rough educational estimate only. It is not financial or legal advice. Actual costs depend on your specific policy and circumstances.
Vehicle Repair
Time Off Work
Other Out-of-Pocket Costs
Future Premium Impact (optional)
Total Out-of-Pocket Cost
0
Why "out-of-pocket cost" is a different question from "settlement value"
A settlement calculator answers "what am I owed?" This calculator answers a more personal, budgeting-focused question: "what has this accident actually cost me, regardless of what I eventually get paid back?" The two numbers can look very different.
Costs that often slip through the cracks
- Deductibles — paid before any insurance payout, and rarely reimbursed unless the other driver's insurer covers your claim.
- Partial wage replacement — PIP or employer sick pay often covers only a percentage of lost income, leaving a gap.
- Rate increases — even accidents that aren't your fault can sometimes affect renewal pricing depending on your insurer and state.
- Time and inconvenience — not captured in dollar terms here, but real: time spent on calls, repair shop visits, and paperwork.
How the premium impact is estimated
Added Cost = Current Premium × Increase % × Years
This spreads a percentage rate increase over the number of years it typically stays on your policy, giving a rough sense of the accident's cost beyond the immediate expenses.
Frequently asked questions
Why isn't my full deductible always reimbursed?+
If you use your own collision coverage, you typically pay the deductible upfront. It's only reimbursed if the at-fault driver's insurer accepts liability and pays your insurer back through subrogation — which isn't guaranteed or immediate.
Will my rates go up even if the accident wasn't my fault?+
It depends on your state and insurer. Many places restrict "not at fault" surcharges, but some insurers still factor any accident into future pricing — check your policy or ask your agent directly.
What if I don't know my exact repair costs yet?+
Use your best estimate from a repair shop quote. You can always re-run this calculator once you have final figures to see how the total out-of-pocket cost changes.
Does PIP cover 100% of lost wages?+
Rarely. Most PIP policies cover a percentage (often 70-80%) of lost income up to a policy cap, leaving a gap that this calculator accounts for separately.
Should I include this out-of-pocket total in a settlement demand?+
Documented out-of-pocket costs can support a settlement demand, especially deductibles and unreimbursed expenses tied directly to the accident. Keep receipts and records for anything you plan to claim.