Vehicle Diminished Value Calculator

ANA›Life Services Authority›National Calculator Authority›Vehicle Diminished Value Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Vehicle Diminished Value Calculator

Estimate how much value your vehicle lost after an accident using the industry-standard 17c Diminished Value Formula used by insurance companies.

Pre-Accident Market Value ($)

Current market value of the vehicle before the accident (use KBB or NADA).

Structural Damage Severity

-- Select Damage Level -- Severe Structural Damage (1.00) Major Damage to Structure & Body Panels (0.75) Moderate Damage to Structure & Body Panels (0.50) Minor Damage to Structure & Body Panels (0.25) No Structural Damage / Cosmetic Only (0.00)

Damage multiplier based on structural severity (0.00–1.00).

Current Mileage

Odometer reading at the time of the accident.

Vehicle Age (Years)

Number of years since the vehicle was manufactured.

Calculate Diminished Value

function vehCalc() { var resultDiv = document.getElementById('veh-result'); resultDiv.style.display = 'none'; resultDiv.innerHTML = '';

// --- Inputs --- var marketValue = parseFloat(document.getElementById('veh-market-value').value); var damageMult = parseFloat(document.getElementById('veh-damage-severity').value); var mileage = parseFloat(document.getElementById('veh-mileage').value); var age = parseFloat(document.getElementById('veh-age').value);

// --- Validation --- var errors = []; if (isNaN(marketValue) || marketValue 50) errors.push('Vehicle age must be between 0 and 50 years.');

if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = '' + errors.map(function(e){ return ''; }).join('') + ''; return; }

// --- 17c Formula --- // Step 1: Base Loss of Value = Market Value × 10% var baseLoss = marketValue * 0.10;

// Step 2: Damage Multiplier (already selected: 0.00 – 1.00)

// Step 3: Mileage Multiplier var mileageMult; if (mileage '; html += 'Pre-Accident Market Value$' + fmt(marketValue) + ''; html += 'Base Loss of Value (10%)$' + fmt(baseLoss) + ''; html += 'Damage Severity Multiplier' + damageMult.toFixed(2) + ''; html += 'Mileage Multiplier' + mileageMult.toFixed(2) + ' (' + mileage.toLocaleString() + ' mi)'; html += 'Age Multiplier' + ageMult.toFixed(2) + ' (' + age + ' yr)'; html += 'Estimated Diminished Value$' + fmt(diminishedValue) + ''; html += 'Value Lost (% of Market)' + pctLost.toFixed(2) + '%'; html += 'Estimated Post-Accident Value$' + fmt(postAccidentValue) + ''; html += '';

if (diminishedValue === 0) { html += 'Note: Based on the inputs provided, the calculated diminished value is $0. This typically occurs when the vehicle has very high mileage, is older than 5 years, or sustained only cosmetic damage.

'; } else { html += 'Tip: Document all repair records and obtain an independent appraisal to support your diminished value claim with the insurance company.

'; }

resultDiv.innerHTML = html; resultDiv.style.display = 'block'; }

#### Formula Used — Insurance Industry 17c Method

Diminished Value = (Market Value × 10%) × Damage Multiplier × Mileage Multiplier × Age Multiplier

The 17c formula is the most widely used method by insurance companies to calculate diminished value after a vehicle accident.

MileageMultiplier 0 – 19,999 mi1.00 20,000 – 39,999 mi0.80 40,000 – 59,999 mi0.60 60,000 – 79,999 mi0.40 80,000 – 99,999 mi0.20 100,000+ mi0.00

Vehicle AgeMultiplier 0 – 1 year1.00 2 years0.80 3 years0.60 4 years0.40 5 years0.20 6+ years0.00

#### Assumptions & References

This calculator uses the 17c Diminished Value Formula, derived from the Georgia State Farm Mutual v. Mabry case (2001), which established the 10% cap on base loss of value.
Pre-accident market value should be sourced from Kelley Blue Book (KBB) or NADA Guides.
The 17c formula is a starting point; actual diminished value may differ based on vehicle make/model, accident history, and local market conditions.
Reference: Diminished Value of Georgia — 17c Formula Explained.

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