Disclaimer

Last updated: May 29, 2026

Informational Purposes Only

The diminished value estimates provided by CarDiminishedValue are for informational purposes only. This calculator uses the 17c formula, which is an insurer-friendly methodology with known flaws. The actual diminished value of your vehicle may differ significantly from the estimate shown.

Not a Certified Appraisal

This tool does not produce a certified vehicle appraisal. Insurance companies typically require a professional appraisal from a licensed appraiser to consider a diminished value claim above the 17c formula result. If you intend to file a claim, consider obtaining an independent appraisal from a qualified professional.

Not Legal Advice

The state-specific information provided by this tool is general in nature and does not constitute legal advice. Diminished value laws vary by state, policy language, court rulings, and individual circumstances. Consult a qualified attorney for advice about your specific situation.

No Guarantee of Recovery

The estimates and guidance provided do not guarantee that you will recover any amount from an insurance company. Claim outcomes depend on policy language, state law, the quality of your evidence, and the insurer's practices.

No Data Collection

CarDiminishedValue does not collect, store, or transmit any information you enter into the calculator. All calculations are performed entirely in your browser using client-side JavaScript. No VIN, email, or personal information is required or stored.

Accuracy of State Data

We strive to maintain accurate and current information about diminished value laws in all 50 states. However, laws change. Statutes of limitations may be amended, new court rulings may alter the legal landscape, and small claims limits adjust periodically. Verify critical deadlines and rules with official state sources before filing.

Third-Party Links

This site may link to third-party resources (NADA/J.D. Power, Edmunds, state government websites). We are not responsible for the content or accuracy of external sites.