Diminished Value claims in Georgia
Georgia drivers have 4 years to file a DV claim.
The clock starts on the date of loss — not the date repairs finish. Bring verified comparable-sales evidence to the at-fault driver's carrier and recover the market-value loss your vehicle took.
Endorsed by Ask The Expert™ and Robert L. McDorman, Expert Public Insurance Adjuster. Backed by 10+ years of settlement data and verified market comparables.
Check your Georgia filing deadline
Enter the date of your accident below. We'll show your exact 4-year statute-of-limitations deadline and how many days remain.
Georgia DV claim facts
Statute of limitations
4 years from date of loss
O.C.G.A. § 9-3-31 sets a 4-year statute of limitations for actions for injury to personal property.
First-party DV
Yes — recoverable
Third-party DV (at-fault carrier)
Yes — widely recognized
UM/UIM coverage
Yes
Small-claims max
$15,000
Total-loss threshold
Total Loss Formula (repair + salvage ≥ ACV)
Statute citation: O.C.G.A. § 9-3-31 (4-year SOL for injury to personal property)
Why this matters in Georgia
Georgia is the foundational state for diminished value recovery in the United States. The Georgia Supreme Court's 2001 decision in State Farm v. Mabry (274 Ga. 498) is the case that established the modern DV framework: Georgia law REQUIRES insurers to evaluate first-party diminished value claims. The 17c formula (whose name comes from paragraph 17(c) of the Mabry trial court order) was popularized by State Farm post-Mabry as its evaluation method — it produces consistently low DV numbers, and VVA reports counter it directly with actual comparable-sales evidence. Georgia is unusual in recognizing BOTH first-party DV (against your own carrier under collision coverage, per Mabry) AND third-party DV (against the at-fault driver's carrier under common-law tort). The statute of limitations is four years from the date of loss under O.C.G.A. § 9-3-31. For Georgia consumers, the practical advantage is that you have two recovery paths — and our $600 Money-Back Guarantee on the DV Report covers either path when third-party recovery is the goal. For first-party claims following Mabry, your own carrier is legally required to evaluate the DV; bring comparable-sales evidence and demand the difference in writing.
The Only Diminished Value Report With a Money-Back Guarantee
No competitor offers this. We're so confident in our methodology that if your DV report shows less than $600 in pre-accident value loss, your $199.95 is fully refunded — and the $49.95 Document Bundle is on us too.
Backed by 10+ years of settlement data and verified market comparables.
The fine print
We guarantee that your Diminished Value Report will have a greater than $600 loss in pre-accident Actual Cash Value, or we will refund your card the FULL $199.95 purchase price. If you also purchased the Document Bundle for greater support. We will also refund this $49.95 in the event your recorded Diminished Value is less than $600.00. If you disagree with anything on the report you can contact support@vehiclevalueanalysis.com with your concerns.
Georgia DV claim FAQ
State-specific answers plus universal DV questions. See the full FAQ for the complete 70+ entries.
States with similar filing deadlines
State legal information on this page is general guidance only and may be subject to retroactive verification. Verification status: Verified (Justia, last reviewed 2026-05-16). See the legal disclaimer for full verification details.