Build an auto insurance coverage planning scenario from vehicle value, a selected liability amount, assets at risk, and funds you can use after a loss. The calculator separates vehicle property need from liability planning, then shows an aggregate scenario total for comparison. Because auto policies contain distinct coverages and legal requirements vary, the result is not a recommended limit or a quote.
The main result is an aggregate planning figure that exposes your assumptions; it is not a substitute for choosing separate policy limits.
Insurance requirements and available coverages vary by jurisdiction, lender, vehicle, driver, and insurer. Consult licensed professionals and policy documents.
For a $28,000 vehicle, $100,000 liability target, $45,000 additional assets, and $2,000 available funds, the scenario total is ($28,000 − $2,000) + $100,000 + $45,000 = $171,000.
No. It combines distinct planning components that normally belong to separate coverages and limits.
The model treats only the entered amount as available to absorb a vehicle property loss; it does not subtract it from liability exposure.
No. Mileage may affect exposure or pricing, but a severe loss can still occur, so this model does not scale limits down automatically.
Use the value relevant to the decision and review lender requirements; loan balance and claim valuation can differ.
No. Those coverages depend on jurisdiction and personal circumstances and should be evaluated separately.
| Component | Included treatment |
|---|---|
| Vehicle value | Reduced only by available self-funding |
| Liability target | Entered directly by the user |
| Assets at risk | Added as a planning assumption |