It is necessary to consult with a trained legal professional to determine to what extent the law in your state will allow you to recover for diminished value. Below is a general summary of diminished value laws by state, which is not a substitute for a professional legal consultation. First-party claims refer to claims between the vehicle owner and their own insurer. Third-party claims refer to claims between the vehicle owner and the party that caused the accident and their insurer, the at-fault insurer.


State First Party Claims? Third Party Claims? Helpful Authority
Alabama No Yes Pritchett v. State Farm Mutual Auto. Ins. Co., 834 So.2d 785 (Ala. Civ. App. 2002).
Alaska Unknown Unknown
Arizona No Yes Johnson v. State Farm Mutual Auto. Ins. Co., 754 P.2d 330 (Ariz. App. 1988); Farmers Ins. Co. v. R.B.L. Investment, Inc., 675 P.2d 1381 (Ariz. 1983).
Arkansas Unknown Unknown
California No Yes
Colorado Yes Yes Hyden v. Farmers Ins. Exchange, 20 P.3d 1222 (Colo. App. 2000); Trujillo v. Wilson, 189 P.2d 147 (Colo. 1948); Airborne v. Denver Air Center, 832 P.2d 1086 (Colo. App. 1992).
CoNoecticut No Yes
Delaware No Yes
District of Colombia Yes Yes American Service Center Associates v. Helton, 867 A.2d 235 (D.C. 2005).
Florida No Yes Siegle v. Progressive, 819 So. 2d (Fla. 2002). Follows Restatement of Torts Sec. 928; See Florida Standard Jury Instructions, Civil Cases, Sec. 501.2(h)
Georgia Yes Yes State Farm Mutual Auto. Ins. Co. v. Mabry, 556 S.E.2d 114 (Ga. 2001); Perma Ad Ideas v. Mayville, 282 S.E.2d 128 (Ga. 1981).
Hawaii No Yes
Idaho No Yes
Illinois Yes Yes Sims v. Allstate Ins. Co., 851 N.E.2d 701, (Ill. App. 2006);Trailmobile Division v. Higgs, 297 N.E.2d 598 (Ill. 1973).
Indiana Yes Yes Allgood v. Meridian Security Ins. Co., 836 N.E.2d 243 (Ind. 2005); DuNo v. Meridian Mutual Ins. Co., 836 N.E.2d 249 (Ind. 2005); Wiese_GMC v. Wells, 626 N.E.2d 595 (Ind. 1993).
Iowa Yes Yes Hawkeye Motors v. McDowell, 541 N.W.2d 914 (1995); Halferty v. Hawkeye Dodge, 158 N.W.2d 750 (Iowa 1968).
Kansas No Yes Venable v. Import Volkswagen, Inc., 519 P.2d 667 (Kan. 1974).
Kentucky No Yes General Accident Fire & Life Assurance Corp. v. Judd, 400 S.W.2d 685 (Ky. 1966).
Louisiana Yes Defraites v. State Farm Mutual Auto. Ins. Co., 864 So.2d 254 (La. App. 2004); Orillac v. Solomon, 765 So.2d 1185 (La. 2000).
Massachusetts No Yes Given v. Commerce Ins. Co., 796 N.E.2d 1275 (Mass. 2003),
Maryland Yes Yes Fred Frederick Motors, Inc. v. Williams E. Krause Trucking Co., 12 Md.App.62, 277 A.2d 464, 277 A.2d 464 (Md. 1971). See also Maryland Civil Pattern Jury Instructions 10:21.
Maine No Yes Hall v. Acadia Ins. Co., 2002 Me. 110 (Me. 2002).
Michigan No Yes
MiNoesota No Yes
Mississippi No Yes Calvert Fire Ins. Co. v. Newman, 124 So.2d 686 (Miss. 1960).
Missouri No Yes Lupo v. Shelter Mutual Ins. Co., 70 S.W.3d 16 (Mo. App. 2002).
Montana No Yes Safeco Ins. Co. v. Munroe v. Cogswell Agency, 527 P.2d 64 (Mont. 1974),
Nebraska No Yes
Nevada No Yes
New Hampshire No Yes
New Jersey No Yes
New Mexico No Yes Davis v. Farmers Ins. Co. of Ariz., 142 P.3d 17 (N.M. App. 2006); Hubbard v. Albuquerque, 958 P.2d 111 (N.M. 1998).
New York Yes Yes Edwards v. Maryland Motor Car Ins. Co., 197 N.Y.S. 460 (N.Y. App. Div. 1922); Rosenfield v. Choberka, 529 N.Y.S.2d 455 (N.Y. 1988).
North Carolina No Yes Pierce v. American Fidelity Fire Ins. Co., 83 S.E.2d 493 (N.C. 1954).
North Dakota No Yes Sullivan v. Pulkrabek, 611 N.W.2d 162 (N.D. 2000).
Ohio No Yes Nationwide Mutual Ins. Co. v. Shah, 2004 Ohio 1291 (Ohio App. Dist. 5, 2004).
Oklahoma No Yes National Farmers Union Property & Casualty Co. v. Watson, 298 P.2d 762 (Okla. 1956).
Oregon Yes Yes Dunmire Motor Co. v. Oregon Mutual Fire Ins. Co., 114 P.2d 1005 (Or. 1941); EAM Advertising Agency v. Helies, 954 P.2d 812(Or. App. 1998).
PeNosylvania No Yes Lobozzo v. Adam Eidemiller, Inc., 263 A.2d 432 (Pa. 1970).
Rhode Island Yes Yes Cazabat v. Metropolitan Property & Casualty Ins. Co., (R.I. Super. Ct. 2000).
South Carolina No Yes Schulmeyer v. State Farm Fire & Casualty Co., 579 S.E.2d 132 (S.C. 2003); Newman v. Brown, 90 S.E.2d 649 (S.C. 1955).
South Dakota No Yes Culhane v. Western Nat’l Mutual Ins. Co., 704 N.W.2d 287 (S.D. 2005).
TeNoessee No Yes Black v. State Farm Mutual Auto. Ins. Co., 101 S.W.3d 27 (TeNo. App. 2002).
Texas No Yes Texas Department of Insurance Bulletin B_0027_00 (2000).
Utah No Yes
Vermont No Yes
Virginia No Yes Bickel v. Nationwide Mutual Ins. Co., 143 S.E.2d 903 (Va. 1965); Averett v. Shircliff, 237 S.E.2d 92 (Va. 1977).
Washington Yes Yes Heaphy v. State Farm Mutual Auto. Ins. Co., 72 P.3d 220 (Wash. App. 2003).
Wisconsin Yes Yes Paulson v. Allstate Ins. Co., 649 N.W.2d 645 (Wis. App. 2002).
West Virginia No Yes Ellis v. King, 400 S.E.2d 235 (1990),
Wyoming No Yes