Diminished Value Claims Help

Everything you need to know about recovering your vehicle's lost value after an accident.

Important Service Distinction: Public adjusting services are only offered in following states (CO, DC, ID, IL, IA, KS, MD, MA, MO, NE, ND, OH, PA, SD, TN, VA, WI).

What is Diminished Value?

Diminished value is the difference between your vehicle's market value before an accident and its reduced value after repairs, even when those repairs are completed perfectly. When a vehicle has an accident on its history report, potential buyers perceive it as less valuable, regardless of repair quality.

⚠️ Important: Diminished value applies only to repaired vehicles — not total losses or minor cosmetic claims. Your vehicle must have been repaired to pre-accident condition to qualify.

Three Types of Diminished Value

Inherent Diminished Value

The most common type - the automatic loss in value due to accident history, even with perfect repairs. This is what we help you recover.

Immediate Diminished Value

The difference between pre-accident value and value immediately after the accident, before any repairs are made.

Repair-Related Diminished Value

Loss in value due to poor quality repairs or use of aftermarket parts instead of OEM parts.

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Quick Eligibility Checklist

Check if you qualify for a diminished value claim with these essential requirements:

Vehicle repaired (not totaled)
Your vehicle must have been repaired to pre-accident condition
Other driver at fault
Third-party claims (some states allow first-party)
Accident within 2–3 years
Within your state's statute of limitations
Structural or moderate damage
Not just minor cosmetic scratches
Repairs completed
All repairs must be finished before filing your claim

Think You Qualify? Let's Find Out.

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Who Can File a Claim?

You CAN File If:

The other driver was at fault (third-party claim)
Your vehicle was repaired to pre-accident condition
Your vehicle is less than 10 years old (varies by state)
You have documentation of the accident and repairs
The damage was structural or moderate to severe

You CANNOT File If:

You were at fault (in most states - check your state laws)
Your vehicle was totaled
The damage was purely cosmetic (minor scratches)
You already signed a release waiving future claims
The statute of limitations has expired in your state

When to File Your Claim

Timing is critical for diminished value claims. Here's what you need to know:

Ideal Timing

File within 30-90 days after repairs are completed for the strongest claim.

Statute of Limitations

Most states allow 2-3 years from the accident date, but this varies. Don't wait too long.

Before Settlement

File BEFORE signing any final settlement or release with the insurance company.

Important: Once you sign a release or settlement agreement, you typically cannot file for diminished value later. Always file before finalizing your claim.

Step-by-Step Diminished Value Claim Process

Gather Documentation

Collect accident reports, repair invoices, photos of damage, and vehicle history reports. The more documentation, the stronger your claim.

Submit Your Claim

Send your documentation to the at-fault driver's insurance company with a formal demand letter explaining your diminished value claim.

Negotiate Settlement

The insurance company will review your claim. Be prepared to negotiate — initial offers are often low. Our team can help in eligible states.

Receive Payment

Once you reach an agreement, the insurance company will issue payment for your vehicle's diminished value.

💡 Pro Tip: Get expert guidance and professional documentation to maximize your recovery.

Don't Navigate This Process Alone

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Typical Recovery Amounts

Understanding what you can expect to recover helps set realistic expectations for your claim.

$1,500 – $8,000*

Mid-range vehicles

Typical recovery range for sedans, SUVs, and trucks with moderate damage and repair costs between $5,000-$15,000.

$5,000 – $15,000*

Luxury & high-end models

Higher recovery amounts for luxury brands, newer vehicles, and cases with extensive structural damage or high repair costs.

*Actual recovery amounts vary based on vehicle age, make/model, pre-accident value, extent of damage, and state-specific factors. These ranges are calculated from industry research and averages and represent typical outcomes from claim data.

The Industry Average for a Claim Recovers $4,200*

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Common Mistakes to Avoid

Don't let these common errors reduce your compensation or invalidate your claim.

Signing Releases Too Early

Never sign a final release or settlement before filing your diminished value claim. Once signed, you waive your right to additional compensation.

Using DIY Calculators

Online calculators are not accepted by insurance companies. You need professional documentation from a qualified expert to have a valid claim.

Missing Deadlines

Each state has a statute of limitations. Missing this deadline means losing your right to file, regardless of how valid your claim is.

Accepting First Offer

Insurance companies often lowball initial offers. With professional documentation, you have leverage to negotiate for fair compensation.

Incomplete Documentation

Missing repair records, photos, or accident reports weaken your claim. Keep all documentation organized and complete.

Not Understanding State Laws

Diminished value laws vary significantly by state. What works in Georgia may not work in Michigan. Know your state's rules.

Ready to Get Started?

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What is Diminished Value?