Statutory Compliance Engine
State Diminished Value Calculator
Calculate post-accident fair market loss under the Georgia 17c Formula (Mabry v. State Farm) and US Third-Party Tort standards.
Georgia explicitly mandates post-repair inherent diminished value recovery under collision coverage.
$
Base uninjured vehicle retail value (derived from NADA Guides or Kelley Blue Book).
Damage modifier based on repair invoice and frame alignment report.
Mileage modifier depreciates market loss baseline.
Diminished Value Assessment Summary
Pre-Accident Fair Market Value:
$0.00
Applicable Legal Standard:
Georgia 17c Formula (10% Cap)
Damage & Mileage Multiplier Combined:
0.50x
Estimated Inherent Diminished Value:
$0.00
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How the Georgia 17c Formula & Diminished Value Works
When a motor vehicle is involved in a collision, its market resale value drops immediately due to its recorded accident history on vehicle history reports (Carfax / AutoCheck). This loss of value is legally recognized as Inherent Diminished Value.
Georgia 17c Formula Breakdown
Established under the benchmark Georgia Supreme Court ruling Mabry v. State Farm (2001), Formula 17c serves as the standard computational baseline utilized by auto insurers:
- Base Loss Cap: Insurers apply a 10% ceiling to the vehicle’s pre-accident Fair Market Value (NADA / KBB value).
- Damage Severity Multiplier: Applies a scale from 0.00 to 1.00 based on structural frame deformation, welded sheet metal repairs, or superficial cosmetic replacement.
- Mileage Modifier: Decreases recovery based on odometer mileage, dropping to 0.00 once a vehicle exceeds 100,000 miles.
First-Party vs. Third-Party Tort Claims
- Georgia Claims: Georgia is the only state mandating first-party diminished value recovery under your own collision policy.
- All Other 49 States: First-party claims are routinely excluded under standard policy forms (ISO Form PP 00 01). However, if another driver was at fault, you retain the legal right to pursue a Third-Party Property Damage claim against the at-fault driver’s insurance under general tort principles (Restatement of Torts § 928).