Georgia 17C Formula – Mabry vs State Farm – Why is Use of the 17c Formula Unfair? Alpharetta, GA

Georgia 17C – Mabry vs State Farm

Mabry vs State Farm refers to a settled class action lawsuit against State Farm Automobile Insurance Company that set the world of diminished value, as we know it today, into motion. In short, the plaintiffs sued State Farm for breach of contract on first party claims for failing to properly compensate them for diminished value. Through this process birth was given to the infamous Georgia 17C (also known as 17C, or Mabry v State Farm formula). Though many insurance companies have attempted to sell the idea that the formula is state law and/or endorsed by the Insurance Commissioner’s Office, it simply isn’t true. In the PDF attachment at the bottom of this page you will see that the Insurance Commissioner’s Office has never, “promulgated or produced any formula for use in the determination of diminished value as it relates to physical damage claims nor has the Department endorsed any specific formula or method.” Since the ruling Insurance companies have created derivatives of the original method (with similar results) in an attempt to distance themselves from the tarnished name of 17C. The 17C formula was created and applies only to the claimants associated with that court case and does NOT apply to you.

Georgia 17C and most of its sister formulas calculate diminished value by immediately placing an arbitrary 10% cap on your loss of value claim. So if your car is worth $30,000.00 this formula dictates that the maximum possible payout is $3,000.00, even if you sustained $20,000.00 in damages. From there this formula places both a “damage modifier” and a “mileage modifier.” The word “modifier,” is industry speak for reduction. These modifiers chip away at your diminished value often leaving you with a ridiculous offer and sometimes with nothing. If you have received a Georgia 17C diminished value offer on your vehicle, stop what you’re doing and call us now. Whatever you do, don’t cash or deposit the check you have received without speaking to one of our consultants.

Our happy clients!

Wreck Check Atlanta is the leader in Post Repair Inspections, Diminished Value Assessments and detecting Improper and Unsafe Repairs. Due to our success we have many satisfied clients that would like to tell you about their experience with our company.

  • Amazing! He told me early on how much money he was going to be able to get me and he was spot on. I paid a small fee to get thousands more in my diminished value claim than the insurance company was offering. Further, RJ was very easy to get in contact with. He responded to my emails almost instantly. The whole process went by so quickly once he was involved. I would recommend him to anyone.

    Hunter Owens
  • My insurance company offered me 37 bucks in diminished value. My case was slightly complex due to the insurance companies appraiser being stubborn and difficult. It had to be escalated to an unbiased umpire for a final binding decision. I wasn't expecting for it to go this far however it did. I ended up getting close to 3K back. RJ is extremely professional and he fights for you. The only issue to me is his preferred method of communication which is by email. Which i became accustomed to because he responds more prompt that way. He generated a 30 to 40 page report. He works extremely hard and for that I'm appreciative.

    Ricky Major
  • RJ is Awesome! He got me 10x what the insurance company offered on a 2 year old accident. Also, I traded the car in 7 months ago so I no longer had it. If I could share this experience with every person I see I would. I’ve already told several family and friends, it’s really just unbelievable to me! If you have any question what so ever, I promise his fee will be the best $275 you’ll ever spend!!

    Paras Raichura
  • Very responsive and professional. Helped me through the process step by step. I know that without their help I would not have gotten any money from the insurance company, literally pennies on the dollar without Wreck Check!

    Mayra Saldana
  • RJ Sweeney is very quick, effective, and efficient. He got me more money out of my car’s value after my insurance company low-balled me. Use him!!!

    Jessica Via
  • Helped us through the process. Very responsive. We were able to get more than we originally though. Thanks, RJ!

    Dani Senne
  • This was my first time working with a diminished value appraiser and RJ Sweeney made it an amazing experience. He helped me get 10 times the amount of the original offer from the insurance company

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