By state
Which state rules matter most for diminished value and total loss?
Drivers usually ask whether their state allows diminished value, how total loss ACV is framed, and what to request before signing a release. This hub links to state-specific educational guides—thresholds, claim themes, and practical checklists—not personalized legal advice.
Bottom line
Open the state where the accident happened. Diminished value is often a third-party question after repairs; total loss fights usually turn on actual cash value and local comps. New York and North Carolina pages also note that MyFreeCarValue does not currently support DV intake there.
Browse claim guides by state
California
California ACV or DV feel light? Fair-claims comps, third-party DV themes, and what to ask in writing.
Texas
Texas ~100% total-loss themes and third-party DV—what drivers usually fight on ACV.
Florida
Florida total loss near ~80%? § 626.9743-style ACV themes and DV after repairs.
New York
New York total loss (Reg 64 / ~75% themes)—plus a clear note that MFCV DV intake is unavailable.
Georgia
Georgia first-party DV / Mabry themes and total loss ACV—what to document next.
Illinois
Illinois § 919.80 valuation themes, right of recourse, and third-party DV basics.
Pennsylvania
Pennsylvania § 62.3 appraisal methods, total-loss formula themes, and third-party DV.
Ohio
Ohio OAC 3901-1-54 ACV themes, two-year timing notes, and limited first-party DV.
North Carolina
North Carolina 75% total-loss rule themes—plus a clear note that MFCV DV intake is unavailable.
Michigan
Michigan no-fault / mini-tort limits—why total-loss ACV disputes often matter more than DV.
New Jersey
New Jersey 11:3-10.4 cash-settlement methods, 30-day reopen themes, and third-party DV.
Virginia
Virginia § 46.2-1600 DV compensation, contributory-negligence risk, and salvage/ACV math.
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State hub FAQs
Direct answers about browsing state guides for diminished value and total loss questions.