Diminished value calculator
Compare the common 17c screening formula with a simple market-evidence estimate. Neither result is an appraisal or a promise of recovery.
The honest version
There is no universal diminished-value formula. An insurer may use 17c, but a court or adjuster may care more about credible market evidence for your actual vehicle.
1. 17c screening estimate
$0
2. Market-evidence worksheet
Use comparable vehicles that match year, make, model, trim, mileage, options, condition, and market. Avoid cherry-picking the highest clean vehicle and lowest accident-history vehicle.
$0
This is the unadjusted difference between the two averages. Document every comparable and explain mileage, trim, condition, geography, and dealer-versus-private-sale adjustments.
What the calculator cannot know
- Whether your state and claim type recognize the loss.
- Whether the repairs were complete and high quality.
- Prior accidents, title history, rare options, warranties, or local demand.
- Whether your comparable vehicles actually sold at their asking prices.
- Policy exclusions, liability disputes, releases, and deadlines.