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Georgia diminished value calculator
The 17c formula is Georgia's, out of a Georgia class action, and Georgia is one of the few states where the claim can also be made on your own policy.
In Georgia a diminished value claim runs against the at-fault driver's insurer and, unusually, against your own insurer under your collision coverage. The formula adjusters reach for first is also Georgian: ten percent of the pre-accident value, cut by a damage multiplier and a mileage multiplier.
The calculator below runs that formula on your numbers. The Georgia facts under it — the period, the court, the regulator, the authority — come from the same verified table the rest of the site reads.
What the formula produces
Enter a value and an odometer reading to see the number.
The formula never looks at your car's market.
It ignores what comparable vehicles with an accident on record actually list for, what was replaced versus repaired, and any written offer you already hold. Our free estimate uses those, and shows you both numbers side by side.
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Georgia in one table
| Field | Recorded value |
|---|---|
| Against the at-fault driver's insurer | Recognised |
| On your own collision policy | Recognised |
| Authority on record | State Farm v. Mabry (2001); Amica v. Sanders (2015); OCI Directives 01-P&C-1, 08-P&C-2 |
| Deadline for a property-damage claim | 4 years (4y § 9-3-32) |
| Fault rule | Comparative negligence |
| Small claims forum | Magistrate Court, up to $15,000 |
Where 17c actually comes from
Not from State Farm v. Mabry, which is the case most articles name. The formula is paragraph 17(c) of the second injunction in Walker v. American National General Ins. Co. (Muscogee County Superior Court, No. SU-03-CV-2058), quoted in Amica Mut. Ins. Co. v. Sanders, 335 Ga. App. 245 (2015).
Mabry is the case that matters for a different reason: it is why a Georgia insurer owes the loss in value under a first-party policy at all. The two are routinely mixed together, and the difference decides who you write to.
No formula is required in Georgia
Georgia's Office of Insurance Commissioner has directed that no particular formula is endorsed and that insurers must consider the information an owner provides (Directives 01-P&C-1 and 08-P&C-2). A 17c figure is therefore a starting position, not a rule either side has to accept.
That is the practical value of running the formula yourself: you can see the number their worksheet produces, and you can see how far it is from what your car is actually worth against comparable listings.
Two routes, and the choice between them
A third-party claim goes to the insurer of the driver who hit you. A first-party claim goes to your own insurer under collision coverage, and Georgia recognises it. The right route depends on who was at fault, what your policy says and whether a deductible is in play.
This is general information about the recorded position, not advice about your claim. For a court-ready opinion or legal advice, a licensed appraiser or an attorney in your state may be more appropriate than a self-help report.
Questions
How is diminished value calculated in Georgia?
Adjusters commonly apply the 17c formula: ten percent of the pre-accident value, multiplied by a damage multiplier from 0.00 to 1.00, then by a mileage multiplier that reaches 0.00 at 100,000 miles. Georgia's insurance regulator has stated that no particular formula is endorsed, so that figure is a starting position rather than the required answer.
Can I claim diminished value from my own insurance in Georgia?
Georgia is one of the few states where the recorded position recognises a first-party claim, following State Farm Mut. Auto. Ins. Co. v. Mabry, 274 Ga. 498 (2001). Whether it fits your situation depends on your policy wording and the facts, and the state rules checker shows what our table records for Georgia.
How long do I have to bring a diminished value claim in Georgia?
Georgia's general limitation period for property damage is four years, which is longer than most states. The deadline tool turns that into a date from the day of your accident, and reporting a claim to an insurer does not pause it.
Is the 17c formula the law in Georgia?
No. It comes from a paragraph in an injunction in a Georgia class action, not from a statute, and the state's insurance commissioner has directed that no formula is endorsed. It is a method insurers use, which is exactly why it is worth being able to reproduce.
Do I need a Georgia-specific report?
The measurement is the same everywhere: what comparable cars with and without an accident record sell for. What changes by state is the route, the deadline, the fault rule and the escalation path, and those are recorded per state in the report we produce.
Read next
- Georgia in full — The state page, with both routes.
- The formula explained — Provenance, tables and limits.
- Other states — The same answers for all 51.
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