The same formula they use

17c Diminished Value Calculator

Run the exact 17c calculation insurance carriers apply to your claim. We'll show you their number — and what it's likely missing.

Enter your vehicle details

Tell us about the vehicle

17 characters. Found on your dashboard, door jamb, or insurance card.
The clean retail value from NADA / J.D. Power, after mileage adjustment. Find it at JDPower.
17c caps loss-of-value at 100,000 miles — vehicles above that get a 0 modifier.
17c only considers structural damage. Flood, fire, airbags, bumpers, CARFAX history — none of those count here.
17c estimate

Your 17c settlement offer

According to 17c, your insurer will offer approximately
$0

A professional appraisal typically shows 3–5× this amount in actual loss.

What this number ignores

Airbag deployment, flood/fire damage, bumper damage, CARFAX history, regional market differences, and your vehicle's actual condition. A real appraisal accounts for all of these.

Don't accept this number. Request a free rebuttal letter — a written argument you can send directly to your insurance company.

Or run another calculation

Why this number is probably wrong

The calculator above runs the exact same 17c formula your insurance carrier uses. The result is mathematically correct — and almost always understates your actual loss in value, often by thousands of dollars.

The formula uses a flat 10% cap regardless of vehicle class, penalizes mileage twice, and ignores most damage types. Read the full breakdown of what 17c gets wrong →