Compare a 17c-Style Baseline with Market Evidence
See every step of a commonly published insurer-style formula, then build a separate worksheet from clean-history and accident-history listings. The two outputs are never averaged into a made-up “answer.”
- No account or email
- Every multiplier is shown
- Formula and market evidence stay separate
Leasing your vehicle instead of owning it? The Leased Vehicle Diminished Value calculator runs the same worksheet with a lessee-vs-lessor explainer added first.
Build Your Worksheet
Please fix the following before continuing
Your Diminished-Value Worksheet
Output A — 17c-style comparison baseline
Formula result only. It is not blended with the market evidence below.
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Output B — market evidence
Clean-history listings
Accident-history listings
Evidence details you entered
Claim context
Methodology version 1.1 — last reviewed 2026-07-29.
The multiplier table is the commonly published version of an insurer-style formula associated with a 2002 Muscogee County, Georgia class-settlement order in the Mabry litigation; it is not presented as a state or national legal standard.
Georgia Office of Insurance and Safety Fire Commissioner Directive 08-P&C-2 (December 2008) states that no formula was approved as determinative of diminished value.
Frequently Asked Questions
What is the 17c formula?
It's a commonly published diminished-value calculation (a base value cap, a damage-severity multiplier, and a mileage multiplier) that traces back to a 2001–2002 Georgia class-action settlement — not a national or state legal standard. See the full history and limits in the 17c Formula guide.
Is the baseline this tool shows the amount I'm legally owed?
No. This calculator does not decide whether diminished value is recoverable in your state, whether any formula applies to your claim, or what amount an insurer legally owes you. It shows a transparent, disclosed calculation next to separate market evidence so you can compare both — verify claim-specific questions with a qualified professional in your state.
Does my state allow a diminished-value claim?
It depends on whether you're filing against your own insurer (first-party) or an at-fault driver's insurer (third-party) — the rules differ significantly and vary by state. See Does Your State Allow a First-Party Diminished Value Claim? for what's documented.
Why does this tool show two separate numbers instead of one final answer?
The 17c-style baseline and real market evidence measure different things and can disagree significantly. Averaging them would produce a number that represents neither, so this tool always shows both side by side and never blends them.
Is anything I type sent to a server?
No. This calculator runs entirely in your browser using client-side JavaScript. Your entries are never transmitted to or stored on any server operated by this site.
I'm leasing my vehicle — does this calculator still apply to me?
The arithmetic is identical, but who typically holds a diminished-value claim on a leased vehicle depends on your lease terms and who's named on your policy, since the leasing company — not the driver — usually holds title. See the Leased Vehicle Diminished Value calculator, which adds a lessee-vs-lessor explainer before the same worksheet.