Diminished value is vehicle-specific
Age, mileage, pre-loss condition, prior history, repair severity, structural involvement, replaced panels, airbag deployment and the quality of repairs can all influence market reaction.
Use loss-date information
Preserve the mileage at the time of loss, the final repair invoice and supplements, photographs and the vehicle’s pre-loss configuration. Current mileage months later may not describe the vehicle as it existed when the loss occurred.
Avoid relying on a generic percentage alone
A formula can be a screening tool, but a professional appraisal should explain the before-and-after market reasoning and why the repair history affects this particular vehicle.
Documentation strengthens the analysis
Final repair records, photographs, vehicle-history information and relevant market data provide a clearer foundation than a demand based only on repair cost.
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Submit a ClaimThis page provides general educational information, not legal advice. Policy language, claim facts, and applicable rules vary by jurisdiction.