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A Basic Overview

Is there a statutory basis controlling diminished value claims ?

NO

Is there favorable Reported case law for Diminished Value Claims ?

YES

Can my Collision Coverage cover the Diminished Value of my vehicle ?

YES

Can my Uninsured Motorist cover my Diminished Value ?

NO

What is the small claims court authority limit ?

$15,000

What is the Statute of Limitations to recover my diminished value ?

3 years

Are “iCan” appraisals accepted into evidence ?

YES

Expanded Narrative


An Objective Overview of

Diminished Value Laws

in Georgia as reviewed by

J. D. Howard


GEORGIA IS A  STRONG  DIMINISHED VALUE RECOVERY STATE …

There is an over-abundance of Diminished Value appraisal services being promoted on internet search engines. Sadly, too many of those sites are run by unqualified hustlers out for a quick buck. There are only a hand full of qualified service providers that know what they’re doing and can be relied upon to tell the truth. This web site is among that hand full.

As noted above, Georgia is a STRONG Diminished Value Recovery State. Georgia is unique in that Consumers can recover their Post-Repair Residual Diminished Value of their Damage History vehicle, even if the accident were their own fault. As long as Consumers have Physical Damage (Collision and/or Other Than Collision) Coverage on your own auto policy, any Post-Repair Residual Diminished Value can be recovered under the terms of your own personal auto insurance policy … OR … you can recover your Post-Repair Residual Diminished Value under the Liability Coverage of the at-Fault party’s insurance policy.

First Party Diminished Value Recovery …
The case law precedent, assuring a policyholder’s right to recover Post-Repair Residual Diminished Value from their own auto insurance policy, is … Mabry v. State Farm (556 S.E.2d.114) circa 2001.

Third Party Diminished Value Recovery …
The case law precedent, assuring an accident victim’s right to recover Post-Repair Residual Diminished Value from an at-Fault party, is … Myers v. Thornton (480 S.E.2d 334) circa 1997.

For the average person, enforcing their Right to Recover their Post-Repair Residual Diminished Value, from the at-Fault party, is most easily pursued by utilizing the Small Claims Court (kind of a Judge Judy type of environment) system. No attorney is necessary. The Rules of Civil Procedure are more informal. Costs are more reasonable (recoverable with judgment) and the process is faster. Small Claims Court authority in Georgia is $15,000.00. Recovery of that amount + costs + potentially our appraisal fee, can be preferable to hiring an attorney to file in District Court and have your case drag out for years.

NOTE: IF you have a companion Personal Injury claim, arising from the same accident, DO NOT file suit solely for your Post-Repair Residual Diminished Value. Georgia does NOT allow a plaintiff to “Split” their causes of action. Seek Further Advice !

Truth. . . MATTERS !

Notwithstanding what other web sites may have you believe, there are only 3 (yes, only 3) general categories of Diminished Value that impact consumers …

  • Immediate / Inherent Diminished Value is the Loss of Value of a damaged vehicle immediately upon infliction of the damage.
  • Post-Repair Residual Inherent Diminished Value is, as the title implies, that portion of the Inherent Diminished Value that was Not restored through the repair process.
  • Repair-Related Diminished Value is that portion of a vehicle’s Loss of Value that is directly related to a less-than-optimal repair work product. Repair-Related Diminished Value is Not owed by the at-fault party. After all, it is not their fault that repairs to your vehicle were defective. UNLESS …
    • The insurer of the at-fault party directed the repairs to a specific repair facility (or influenced your selection of repair facility). At that point, the insurance company is on-the-hook for repair defects and it becomes more of a Repair Warranty claim than a Diminished Value claim.
    • A Repair Warranty claim would require physical inspection of the repaired vehicle. We may be able to recommend a local resource to help you facilitate your Repair Warranty claim.

FYI . . . DRP Agreements . . .
DRP (Direct Referral Program) Agreements do exist (in writing). Under the terms of a DRP agreement, a body shop surrenders virtual control of their facility, to an insurance company, in exchange for that insurance company’s promise to promote that body shop to their insureds and claimants. All decisions as to method of repair and parts to be used are dictated by the insurance company. We’ve actually read DRP agreements that stated “the vehicle owner shall remain ‘Blind’ as to any difference of opinion that may arise between [insurance company] and [this] shop”.

Better Business Bureau ... Rated “A+”