First & Third-Party DV (17c Formula)
TLF (Repair + Salvage > ACV) — also 2+ major parts
4 years for property damage
Available in most policies
Total Loss Claims in Georgia
Threshold: TLF (Repair + Salvage > ACV) — also 2+ major parts
Uses Total Loss Formula plus a unique rule: vehicles needing replacement of 2+ major component parts are also total losses
Georgia's dual criteria can result in more vehicles being totaled
Large vehicle market (Atlanta metro) provides excellent comparable data
Independent appraisal is essential to ensure fair ACV determination
Georgia has a unique total loss rule: in addition to the standard Total Loss Formula, any vehicle that requires replacement of two or more major component parts is automatically considered a total loss, regardless of cost.
Diminished Value in Georgia
First & Third-Party DV (17c Formula)
ONLY state requiring first-party DV coverage (Mabry v. State Farm)
17c Formula often used but can be challenged
Can recover DV even if you were at fault
Insurance companies must pay DV under your own collision coverage
Georgia is unique — it's the ONLY state where first-party diminished value is mandatory. The famous Mabry v. State Farm ruling requires your own insurer to pay diminished value even if the accident was your fault. However, insurers often use the controversial '17c Formula' which typically undervalues claims. This formula can and should be challenged with a proper independent appraisal.
Body Shop Appraisals in Georgia
Right to Appraisal (RTA) for Repair Disputes
Georgia's unique DV laws mean body shop customers have strong rights
Body shops can refer customers to invoke the appraisal clause for underpaid repairs
Atlanta metro area has a large, competitive body shop market
OEM parts and ADAS calibration documentation strengthens claims
The 2+ major parts rule can affect repair vs. total loss decisions
Cities & Towns We Serve in Georgia
Hyper-local auto damage appraisal services across Georgia
National Appraisers provides total loss appraisals, diminished value claims, and body shop Right to Appraisal (RTA) services throughout Georgia. Click on any city below for location-specific information.