Diminished Value Calculator
Insurance companies rely on highly restrictive formulas (like the 17c rule) to minimize your property damage payout. Enter your vehicle's details below to see what their baseline formula dictates, and see why a certified appraisal is critical.
Diminished Value Estimator
See what the insurance company's formula says your claim is worth.
Disclaimer: This calculator provides a rough estimate based on the insurance industry's standard 17c formula. It is not a certified appraisal and does not guarantee settlement amounts. Only a licensed auto appraiser can determine actual diminished value through a certified market analysis.
Why Insurance Calculators Fall Short
If your vehicle was involved in an accident and repaired, it has suffered inherent diminished value. A record of the accident on your vehicle's history report (like Carfax) means dealerships and private buyers will pay significantly less for it.
Standard insurance calculators and the "17c formula" often apply arbitrary mileage caps and severe damage modifiers designed to save the insurance company money. At DVHIVE, our licensed independent appraisers use hyper-local market data and rigorous appraisal methodology to force insurers to pay the true fair market value you deserve.