Vehicle Value Analysis

Legal information disclaimer

How VVA handles legal information on its diminished-value pages, calculators, and tools. Last reviewed: .

VVA is not a law firm and does not provide legal advice

Vehicle Value Analysis is a vehicle valuation service. We produce comparable-sales market reports and diminished-value calculations from a database of 10 million+ verified vehicle sales. We are not a law firm, we do not provide legal advice, and the information on our state-specific pages, FAQ, and calculator tools is general guidance only.

For case-specific legal advice — including statute-of-limitations questions, first-party vs third-party diminished value strategy, appraisal-clause invocation, and bad-faith claims — consult a property-damage attorney licensed in your state. Your state's bar association maintains a lawyer-referral service that can point you to attorneys experienced in first-party insurance disputes.

Per-state verification status

All of our reports (Silver, Gold, Platinum, Inherent Diminished Value) are available in all 50 US states. The table below is about a different question: how deeply we have verified the legal-information content on each state's guide page. As of our 2026-05-21 sweep, 47 of 50 states are marked "Verified" with primary-source citations from state legislature sites and case-law links to Justia, FindLaw, Leagle, CourtListener, or Casemine. 3 states remain "Draft" (New York, Louisiana, Michigan) where the underlying law is genuinely unsettled — recent statute changes or no-fault-system interactions make a confident summary harder to write. Future paralegal/attorney review will continue to retroactively spot-check top-traffic states.

48
States with primary-source verified citations
2
States with draft guides awaiting paralegal review
Per-state diminished value content verification status with source-of-truth and last-reviewed dates
StateStatusSourceLast reviewedView page
Alabama Verifiedstate-statute2026-05-21View Alabama state page
Alaska Verifiedstate-statute2026-05-21View Alaska state page
Arizona Verifiedstate-statute2026-05-21View Arizona state page
Arkansas VerifiedJustia2026-05-21View Arkansas state page
California VerifiedJustia2026-05-16View California state page
Colorado Verifiedstate-statute2026-05-21View Colorado state page
Connecticut Verifiedstate-statute2026-05-21View Connecticut state page
Delaware Verifiedstate-statute2026-05-21View Delaware state page
Florida VerifiedJustia2026-05-16View Florida state page
Georgia VerifiedJustia2026-05-21View Georgia state page
Hawaii Verifiedstate-statute2026-05-21View Hawaii state page
Idaho Verifiedstate-statute2026-05-21View Idaho state page
Illinois Verifiedstate-statute2026-05-21View Illinois state page
Indiana VerifiedJustia2026-05-21View Indiana state page
Iowa Verifiedstate-statute2026-05-21View Iowa state page
Kansas Verifiedstate-statute2026-05-21View Kansas state page
Kentucky Verifiedstate-statute2026-05-21View Kentucky state page
Louisiana DraftAI-draft2026-05-21View Louisiana state page
Maine Verifiedstate-statute2026-05-21View Maine state page
Maryland Verifiedstate-statute2026-05-21View Maryland state page
Massachusetts VerifiedJustia2026-05-21View Massachusetts state page
Michigan DraftAI-draft2026-05-21View Michigan state page
Minnesota Verifiedstate-statute2026-05-21View Minnesota state page
Mississippi Verifiedstate-statute2026-05-21View Mississippi state page
Missouri Verifiedstate-statute2026-05-21View Missouri state page
Montana Verifiedstate-statute2026-05-21View Montana state page
Nebraska Verifiedstate-statute2026-05-21View Nebraska state page
Nevada Verifiedstate-statute2026-05-21View Nevada state page
New Hampshire Verifiedstate-statute2026-05-21View New Hampshire state page
New Jersey Verifiedstate-statute2026-05-21View New Jersey state page
New Mexico Verifiedstate-statute2026-05-21View New Mexico state page
New York VerifiedJustia2026-05-21View New York state page
North Carolina Verifiedstate-statute2026-05-21View North Carolina state page
North Dakota Verifiedstate-statute2026-05-21View North Dakota state page
Ohio Verifiedstate-statute2026-05-21View Ohio state page
Oklahoma VerifiedJustia2026-05-21View Oklahoma state page
Oregon Verifiedstate-statute2026-05-21View Oregon state page
Pennsylvania Verifiedstate-statute2026-05-21View Pennsylvania state page
Rhode Island Verifiedstate-statute2026-05-21View Rhode Island state page
South Carolina Verifiedstate-statute2026-05-21View South Carolina state page
South Dakota Verifiedstate-statute2026-05-21View South Dakota state page
Tennessee Verifiedstate-statute2026-05-21View Tennessee state page
Texas VerifiedDVAC2026-05-16View Texas state page
Utah Verifiedstate-statute2026-05-21View Utah state page
Vermont Verifiedstate-statute2026-05-21View Vermont state page
Virginia Verifiedstate-statute2026-05-21View Virginia state page
Washington VerifiedJustia2026-05-21View Washington state page
West Virginia Verifiedstate-statute2026-05-21View West Virginia state page
Wisconsin Verifiedstate-statute2026-05-21View Wisconsin state page
Wyoming Verifiedstate-statute2026-05-21View Wyoming state page

How to verify a legal fact yourself

If you want to check anything on our state pages or tools against primary sources, here is the standard list:

  • Statutes of limitations: search your state legislature's official statutes site (e.g. statutes.capitol.texas.gov for Texas) or look up the citation on Justia.
  • State case law: Justia and CourtListener index decisions from state supreme courts and federal courts. Case citations we link from our state pages all resolve to one of these two sources where possible.
  • First-party vs third-party diminished value rules + UM/UIM coverage: your state's Department of Insurance website publishes consumer bulletins on auto-insurance practices.
  • Total-loss thresholds + salvage-title procedures: your state DMV/DOT site covers titling rules; your state DOI site covers insurer behavior.
  • Texas-specific: Texas Department of Insurance consumer-help pages at tdi.texas.gov. SB 458 implementation rules are being settled through TDI rulemaking as of this writing.

Reporting an error or correction

If you find an inaccuracy on any of our state pages, FAQ entries, or calculator outputs, email us at support@vehiclevalueanalysis.com with the specific page URL and the source you are citing. We review every correction request within 5 business days and either update the content with your source or explain why the existing text stands.

Tool-specific disclaimers

  • 17c Calculator: an illustrative calculation of the State-Farm-developed diminished-value formula. The "market comparables typically show" range is industry-typical, not your vehicle's specific number. For a defensible number, order a VVA Diminished Value report.
  • VIN Decoder: powered by the NHTSA vPIC public vehicle database. Older vehicles (pre-1981) and some foreign-market imports may return incomplete data.
  • State Deadline Calculator: shows the typical statute of limitations for diminished value claims in your state from the date of loss. Tolling rules and sub-limits vary by state and by claim framing (breach-of-contract vs negligence). Consult an attorney before relying on the calculator for a near-deadline claim.
  • Total Loss Threshold Tool: state thresholds and Total Loss Formula behavior vary. The tool uses the statutory threshold; insurer practical behavior may differ.