Diminished value claims in Georgia
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Georgia diminished value can be claimed from either insurer. Georgia's supreme court ruled in 2001, in State Farm v. Mabry, that insurers must assess lost value on their own customers' claims too.
Claim against: Either insurer.
Deadline to sue for car damage: Four years.
Who can claim
The claim can go to the at-fault driver's insurer, or to your own on a collision claim, because of Mabry.
The formula
The 17c formula comes from the Mabry case and the settlement after it. It caps the starting figure at 10 percent of the car's value. Georgia's claims rule also caps deductions for prior damage at 20 percent of value.
A repaired $28,000 car with moderate damage and 30,000 miles gives $1,120 by the 17c formula.
That is $28,000 times 10 percent, $2,800, times 0.5 for damage and 0.8 for miles. Try yours on the diminished value calculator.
The deadline
Newest change: Georgia passed tort reform on April 21, 2025, and it changed injury trials, not car-value claims.
How to file with their insurer
- Call us, so a lawyer tells you which insurer to claim against.
- Wait until repairs are done and get the final repair bill.
- Get a written appraisal that lists sales of similar cars.
- Send the appraisal, the repair bill and photos with a short letter asking for the amount.
Georgia diminished value questions
Can I claim diminished value from my own insurer in Georgia?
Yes. The Mabry ruling requires Georgia insurers to assess it on first-party claims.
What is the 17c formula in Georgia?
Ten percent of value, times a damage number, times a mileage number. It began with the Mabry case.
How long do I have in Georgia?
Four years to sue for damage to your car, under Georgia Code 9-3-32.
Is 17c the only way to value a claim?
No. A private appraisal with sales of similar cars is often higher.
What to do now
Call about lost value(833) 716-6705
Our team picks up 24/7, reviews your case free, and links you to a car accident lawyer paid only if you win.
Call before you accept a property damage check that leaves the lost value out. Georgia gives you four years from the crash to sue for property damage, and that clock is already running. Call now and send your repair estimate for a free look at what your car lost.