Formula
Payout = ACV (KBB / Edmunds / NADA average) − deductible + sales tax on replacement (Texas TIC 542).
How to use it
- Look up your vehicle's pre-loss value on KBB, Edmunds, and NADA
- Take the average
- Subtract your deductible
- Add Texas sales tax credit on a replacement vehicle
Worked example
ACV avg $14,800 − $500 deductible + $925 sales tax = $15,225 payout.
Frequently asked questions
Can I dispute a low total-loss offer?
Yes – get independent appraisals and invoke the appraisal clause.
Does Texas require sales tax in a total loss?
Yes – Texas Insurance Code 542 requires sales tax on replacement.
Guides and coverage behind this calculator
Repairs your vehicle after a crash – regardless of who's at fault.
Pays the difference between your loan balance and your car's value.
How Texas defines a total loss, how insurers calculate actual cash value, and your rights when you disagree.
When your car is totaled, the settlement isn't automatic. Here is how Texas total-loss valuation works and how to push for fair value.
Salvage and rebuilt titles complicate everything from coverage to claims. Here's what to expect.
Step-by-step after a total loss – settlement, gap, finding a replacement, and avoiding coverage gaps.
Every calculator lives in our El Paso insurance calculator hub. When you're ready for real numbers, compare auto insurance in El Paso or ask for a free policy review.
This calculator is for educational estimation only. For a binding quote, talk to a licensed Texas insurance agent or request a free quote.