Free · No obligation

Get your 17c rebuttal letter

A written breakdown — citing the Mabry ruling, the Insurance Commissioner's directive, and the formula's specific flaws — that you can send directly to the insurance company to challenge their valuation.

What's in the letter

  • The legal context. Mabry was a class action of 25,000 plaintiffs. Unless you were one of them, the ruling doesn't apply to you.
  • The Commissioner's directive. Georgia's Insurance Commissioner explicitly stated the department does not endorse 17c and required carriers to consider consumer evidence of loss.
  • The formula's flaws. Arbitrary 10% cap, double mileage penalty, 100K-mile cliff, and the damage modifier's blind spots — laid out item by item.
  • A path forward. Clear language asking the carrier to either justify their number with comparable sales data or revisit the offer.
Important note

The rebuttal letter is a starting point — it's effective for opening a real negotiation. For a binding settlement, you'll want a professional appraisal that produces a defensible number.

Request the letter

Fill in the details below. We'll review your situation and send the letter to your email — usually within 1 business day.

If you need more

The letter often isn't enough

For carriers that won't budge — or for claims where the gap is large — a professional appraisal is the most effective rebuttal.

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Diminished Value of Georgia

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