Your Clients Are Losing Thousands to the 17c Formula.

Court-defensible diminished value calculations that expose the gap between what carriers pay and what your client is actually owed.

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THE PROBLEM: 17c Shortchanges Your Clients

Insurance carriers universally apply the Georgia 17c formula — a regulatory rule created by the Georgia Insurance Commissioner that was never enacted through legislative process in Arizona or 47 other states. It systematically caps diminished value recovery at a fraction of actual loss.

The 17c formula applies three arbitrary modifiers:

Modifier	What Carriers Claim	Reality
10% Base Cap	Max DV = 10% of vehicle value	Real DV frequently exceeds 20-30%
Damage Modifier	Caps loss at 0-25% of the 10%	Ignores actual market stigma impact
Mileage Modifier	Reduces by age/mileage brackets	Punishes late-model vehicles unfairly

A note on principle: The 17c formula is an administrative directive — not a statute. It was adopted voluntarily by carriers nationwide despite having no legislative basis outside Georgia. The common law principle of restitutio in integrum — full restoration to pre-loss condition — demands more than a formula designed to minimize payouts. At FRP, we align with the older, deeper standard: if a loss occurred, full restitution is owed. That's not our opinion. That's the law before the formula existed.

THE SOLUTION: FRP HYBRID DV METHODOLOGY

Forseti Restitution Partners uses a court-defensible hybrid methodology combining three independently recognized valuation approaches — producing True DV figures that reflect real-world loss, not carrier-capped minimums.

Component	Weight	Method
Comparable Sales Approach	50%	Pre/post-accident sale comparables from market data
Dealer Survey Approach	30%	Quoted trade-in differential from licensed dealers
Market Perception Penalty	20%	Quantified buyer avoidance via accident disclosure stigma

Bonus: Every FRP report includes a side-by-side 17c comparison showing the spread — giving you ammunition for negotiations and jury presentations.

PROVEN RESULTS

3.73×

Attorney ROI on FRP engagement fee

Metric	Result
Vehicle	2023 Lexus RX 350 Premium
Pre-Accident Value	$54,150
17c Formula DV (carrier baseline)	$4,185
FRP True DV (hybrid method)	$13,500
Recovery Spread	$9,315
FRP Tier 3 Fee	$650
Attorney ROI Multiple	3.73× on fee investment

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TRANSPARENT, VALUE-ALIGNED PRICING

Tier 1 — Basic

$250

Under $25K vehicles
Minor-moderate damage

Tier 2 — Standard

$400

$25K–$50K vehicles
Moderate-major damage

Tier 3 — Premium

$650

$50K–$100K vehicles
Major structural damage

Tier 4 — Luxury

$900–$1,500

$100K+ vehicles
Luxury/exotic, severe

Add-ons: Sworn Affidavit +$150–$250 · Expert Witness $150/hr or $1,500/day · Rush 48hr +50%

HOW IT WORKS

Screen the case — Use the FRP DV Quick-Check tool to instantly assess whether a case has DV recovery potential worth pursuing
Engage FRP — Send vehicle docs, repair estimates, and accident report; receive confirmation within 24 hours
Receive full DV report — Comprehensive analysis with hybrid methodology, 17c comparison, supporting data, and recommended recovery amount
Negotiate or litigate — Use the report for demand packages, mediation, or trial. Add expert testimony if needed
You get paid — client gets made whole

Every report includes a white-labeled client letter that explains diminished value in plain language your clients can understand. Most accident victims have never heard of DV — this letter educates them, demonstrates your thoroughness, and positions your firm as the advocate who fights to make them whole. Clients who feel informed and valued refer others.

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WHY FORSETI

Forseti — the Norse god of justice, who resolved disputes through reasoned judgment and fair hearing. Not force. Not favor. That namesake is intentional.

Licensed insurance adjuster since 2012 (Arizona License #6748252)
Former Allstate claims — inside knowledge of carrier valuation tactics
Catastrophe claims experience — high-volume, high-stakes damage assessment
Exclusively claimant-side — we do not represent insurance carriers, ever
Operating under Forseti Services, LLC (est. 2018) — properly structured, in good standing
Guided by restitutio in integrum — the common law standard of full restoration to pre-loss condition
USPAP-compliant methodology — every report built to withstand cross-examination
Client data held as custodian, not commodity — privacy by principle, not just policy

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