State Resources

Vehicle Valuation
by State

State-Specific Diminished Value & Total Loss Information

Select your state to view diminished value and total loss information, applicable laws, claim guidance, and available appraisal services.

Find Your State

Explore State-Specific Valuation Information

Every state has different insurance rules, diminished value laws, and total loss guidelines. Our state resources make it easy to find the information you need, including:

State Laws

Understand your state’s diminished value and total loss regulations.

Claim Guidance

Learn how to navigate the claims process in your state.

Available Services

See which appraisal services are available in your state.

Helpful Resources

Access links to additional state-specific information.

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Select your state to view diminished value and total loss information, applicable laws, claim guidance, and available appraisal services.
Know Your State’s Rules

Every State Handles This Differently

Diminished value law isn't uniform anywhere in the U.S. — Some states give you just two years to file a claim, while Rhode Island gives you ten. Georgia is one of the few states where you can pursue diminished value under your own policy; most states restrict it to a claim against the at-fault driver's insurer. Michigan's no-fault system caps recovery through a “mini-tort” statute at $3,000, and North Dakota's courts generally don't recognize a traditional post-repair diminished value claim at all. If you were in an accident that wasn't your fault, what you're entitled to — and how long you have to claim it — depends entirely on which state the accident happened in.

Quick Comparison: How States Differ

Shortest filing window

The shortest window is 2 years, which applies in about a dozen states.

Longest filing window

Rhode Island — 10 years, far longer than any neighboring state.

Highest small claims cap

Tennessee — $25,000.

Lowest small claims cap

Kentucky — $2,500.

First-party claims allowed

Georgia is a clear example — recovery under your own policy plus UM/UIM coverage, unlike most states where diminished value is a third-party-only claim against the at-fault driver's insurer.

No-fault outlier

Michigan handles diminished value through a “mini-tort” statute (MCL § 500.3135), capped at $3,000.

Limited recognition

North Dakota generally treats repair cost plus loss of use as the standard measure of damages rather than a traditional diminished value claim.

State-by-State Comparison

Statute of Limitations & Small Claims Cap by State

State Statute of Limitations Small Claims Cap Total Loss Diminished Value
Alabama 2 years $6,000 Total Loss Guide Diminished Value Guide
Alaska 2 years $10,000 Total Loss Guide Diminished Value Guide
Arizona 2 years $5,000 Total Loss Guide Diminished Value Guide
Arkansas 3 years $5,000 Total Loss Guide Diminished Value Guide
California 3 years $12,500 Total Loss Guide Diminished Value Guide
Colorado 3 years $7,500 Total Loss Guide Diminished Value Guide
Connecticut 2 years $5,000 Not Currently Available Not Currently Available
Delaware 2 years $15,000 Total Loss Guide Diminished Value Guide
District of Columbia 3 years $10,000 Total Loss Guide Diminished Value Guide
Florida 4 years $8,000 Total Loss Guide Diminished Value Guide
Georgia 4 years $15,000 Total Loss Guide Diminished Value Guide
Hawaii 2 years $5,000 Total Loss Guide Diminished Value Guide
Idaho 3 years $5,000 Total Loss Guide Diminished Value Guide
Illinois 5 years $10,000 Total Loss Guide Diminished Value Guide
Indiana 2 years $8,000 Total Loss Guide Diminished Value Guide
Iowa 5 years $6,500 Total Loss Guide Diminished Value Guide
Kansas 2 years $4,000 Total Loss Guide Diminished Value Guide
Kentucky 2 years $2,500 Total Loss Guide Diminished Value Guide
Louisiana 2 years $5,000 Total Loss Guide Diminished Value Guide
Maine 6 years $6,000 Total Loss Guide Diminished Value Guide
Maryland 3 years $5,000 Total Loss Guide Diminished Value Guide
Massachusetts 3 years $7,000 Not Currently Available Not Currently Available
Michigan 3 years $3,000 (mini-tort cap) Total Loss Guide Diminished Value Guide
Minnesota 6 years $15,000 Total Loss Guide Diminished Value Guide
Mississippi 3 years $3,500 Total Loss Guide Diminished Value Guide
Missouri 5 years $5,000 Total Loss Guide Diminished Value Guide
Montana 2 years $7,000 Total Loss Guide Diminished Value Guide
Nebraska 4 years $7,500 Total Loss Guide Diminished Value Guide
Nevada 3 years $10,000 Total Loss Guide Diminished Value Guide
New Hampshire 3 years $10,000 Total Loss Guide Diminished Value Guide
New Jersey 6 years $5,000 Total Loss Guide Diminished Value Guide
New Mexico 4 years $10,000 Total Loss Guide Diminished Value Guide
New York 3 years $10,000 Total Loss Guide Diminished Value Guide
North Carolina 3 years $10,000 Total Loss Guide Diminished Value Guide
North Dakota Limited recognition — see guide N/A Total Loss Guide Not Currently Available
Ohio 2 years $6,000 Total Loss Guide Diminished Value Guide
Oklahoma 2 years $10,000 Total Loss Guide Diminished Value Guide
Oregon 6 years $10,000 Total Loss Guide Diminished Value Guide
Pennsylvania 2 years $12,000 Total Loss Guide Diminished Value Guide
Rhode Island 10 years $5,000 Not Currently Available Not Currently Available
South Carolina 3 years $7,500 Total Loss Guide Diminished Value Guide
South Dakota 6 years $12,000 Total Loss Guide Diminished Value Guide
Tennessee 3 years $25,000 Total Loss Guide Diminished Value Guide
Texas 2 years $20,000 Total Loss Guide Diminished Value Guide
Utah 3 years $20,000 Total Loss Guide Diminished Value Guide
Vermont 3 years $5,000 Not Currently Available Not Currently Available
Virginia 5 years $5,000 Total Loss Guide Diminished Value Guide
Washington 3 years $10,000 Total Loss Guide Diminished Value Guide
West Virginia 2 years $10,000 Total Loss Guide Diminished Value Guide
Wisconsin 6 years $10,000 Total Loss Guide Diminished Value Guide
Wyoming 4 years $6,000 Total Loss Guide Diminished Value Guide

Statutes of limitations and small claims limits can change. Confirm current deadlines for your situation before filing.