Know your vehicle's true worth.
Built to reflect real-world insurance valuation methods.
Insurance evaluations can feel like a black box. Our Actual Cash Value (ACV) estimator decodes regional data and depreciation models to give you a transparent benchmark for your total loss payout.
Estimate Your Car’s ValueHow Total Loss Payouts Work
Pre-Accident Condition
Insurance companies evaluate what your car was worth exactly one second before the accident. This is based on actual market listings for comparable vehicles in your area.
Deductions & Adjustments
The insurer will deduct for prior damage, wear and tear, or high mileage. They will also make adjustments for specific trim levels or factory options your car has.
Taxes and Fees
In many regions, your payout legally must include the sales tax on the actual cash value of the vehicle, so you have enough funds to replace it.
The Right to Negotiate
You do not have to accept the first offer. You can compile your own list of comparables and negotiate for a higher, fairer market value.
How Our Estimator Works
Base Value & Depreciation
We start with a baseline market value and apply standard yearly depreciation models based on your vehicle's age.
Mileage Adjustments
Vehicles driven far below average retain superior value (+10%), while extreme high mileage (200,000+ km) compounds depreciation.
Regional Multipliers
Replacement costs vary massively by province. Example: BC averages 5% higher due to market costs, while remote territories require shipping premiums.
The Starting Point
This is a benchmark range. Insurers use granular market data. Use our estimate as a solid foundation to confidently verify insurance offers.