Below is USAA’s flawed Diminished Value Methodology, it is basically State Farm’s 17c formula but with a few additional tweaks.
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State Farm Total Loss Claims Guide Understanding the contractual dispute process buried in your auto policy. A note before you read further: this article applies
The average new car sold for $49,855 in July, the highest of 2026, while incentives fell for a second straight month. The coverage focused on shoppers. It ignored the Georgia driver whose repaired car just lost value in the same market where replacing it costs more than ever.
Since November 2025, the Georgia Insurance Commissioner has announced auto rate reductions from eight carrier groups, with disclosed savings above $105 million. Personal auto finished 2025 with a 94.4 combined ratio and claim volume fell 16.1%. Here is what both numbers mean for a diminished value claim in Georgia.
