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Recover the True Value of Your Vehicle.
Statute of Limitations to File:
File First Party Claim:
File Third Party Claim:
Diminished Value Through Uninsured Motorist Coverage:
Small Claims Max Filing:
OUR PROVEN PROCESS
Start the process with a FREE consultation when you call us at (877) 879-0101 or fill out our Appraisal Form and we will contact you within minutes!
We analyze data to determine your vehicle’s true diminished value and deliver a quick, accurate appraisal that insurance companies can’t ignore.
We don’t stop at a report. We advise and support you through negotiations every step of the way until you receive your rightful compensation.
Experiencing a vehicle accident is a distressing event that can leave lasting effects. It’s crucial to handle the aftermath with composure and a clear plan of action to safeguard yourself and others involved. Whether it’s a minor bump or a major collision, understanding the steps to take can significantly impact your recovery process. In addition […]
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Diminished value is recoverable in third-party cases and through your own uninsured motorist coverage. Minimum liability coverage is required and the statute of limitations to file a claim is 6 years from the date of the accident. ORS 746.280-295.
Mock v. Terry: If repairing the car does not return it to its previous value, then the difference must be made up in cash.
Gonzales v. Farmers: Insureds can be compensated for diminished value under their own insurance policy. Unfortunately, most auto insurance policies exclude coverage for first party diminished value making the ruling in this case of little value to you if you are trying to claim diminished value against your own policy. (Check your coverage)
ORS 20.080: A statute that applies to all property damage and bodily injury claims that are less than $10,000 and gives you the right to recover attorney fees. This statute was enacted to pressure insurance companies into settling lower value claims, that if not handled appropriately, could turn relatively small claims into high risk, attorney fee cases.
Even after repairs, your car may lose resale value due to its accident history—known as diminished value. Many buyers avoid damaged vehicles or expect a discount, but you have the right to file a diminished value claim. Some insurance companies won’t inform you of your right to an independent appraisal and often minimize payouts. With accurate data and a strong claim, DVAC ensures you get the compensation you deserve.
You should pursue a diminished value claim once your vehicle is fully repaired to pre-accident condition. Experts calculate diminished value based on the nature of the damage to your vehicle and overall evidence of repairs. A thorough review of the final bill from the bodyshop, a visual inspection of the vehicle after repairs, and a review of the Carfax are a few important factors in determining diminished value.
Recovering diminished value from the at-fault insurance company can take as little as a few days. However, some claims may take weeks—and in rare cases, months. The timeline depends entirely on the insurance company’s diminished value policy. One thing remains constant: DVAC will stay involved throughout your DOV claim, offering advice and support.
If your vehicle has been totaled in an accident, how do you determine a fair settlement? The insurance company has their figure, and you have yours. DVAC helps bridge that gap by guiding you to a realistic, mutually agreeable number backed by comprehensive market research. We compile a total loss report that includes all of our findings and your vehicle’s actual cash value.
We equip each diminished value appraisal report with a vAuto market analysis, NADA Archival Valuation, and a complimentary Carfax. vAuto captures 100% of all U.S. sales data for any vehicle. Using this powerful tool, we compile an extremely accurate pre-accident value and assess diminished value based on the nature of your vehicle’s repair records. We also include a detailed photo file and the final bill from the body shop. Once everything is compiled, we email you a comprehensive 20–30 page diminished value appraisal report.
The IRS requires a professional appraisal for any vehicle worth more than $5,000 if you want to claim a tax write-off. While vehicles under $5,000 don’t need an appraisal, we still recommend getting one to help avoid a potential audit.
Insurance companies rely on appraisals to determine the fair market value of your collectible vehicle. A certified appraisal from a licensed appraiser strengthens your claim and helps ensure the insurer pays you the full compensation you deserve in the event of a collision.
The requirements can vary depending on your lender. Some institutions may ask for an independent appraisal to verify the true market value of the vehicle you plan to purchase.
What about “Certified Used Vehicles”?
Many dealerships now offer “Certified Used Vehicles” on their lots, but each one sets its own policies and standards for certification. In many cases, dealers look closely for even minor damage history to disqualify your trade-in from meeting their “certified” criteria. As a result, they may offer you less than if your vehicle had a clean title. DVAC can help you recover that lost value through a diminished value claim.
If an accident has damaged your vehicle and you’re concerned about its true value, call DVAC Diminished Value Appraisal Claims at 877-879-0101 for a FREE consultation. If you’re ready to start the process, start your appraisal now! You can also check out our blog for more case-specific information.
Accidents don’t just leave dents in your vehicle. They also leave a lasting mark on its market value. Understanding diminished value in Virginia is critical, especially when your vehicle is nearly new. In this case study, a 2025 Jeep Gladiator with just over 1,000 miles suffered structural damage and lost
In West Virginia, even relatively minor accidents can carry major financial consequences for vehicle owners. This is especially true when the Carfax Vehicle History Report inaccurately reflects the damage, as was the case with this 2024 Chevrolet Trax. Despite the report labeling the incident as “minor to moderate,” structural damage
When Accident Repairs Aren’t the End of the Story In New Mexico, diminished value can quietly eat away at your vehicle’s resale value—even after repairs are completed. That’s exactly what happened to the owner of a nearly new 2024 Hyundai Palisade Calligraphy. Despite undergoing over $15,000 in restoration, this luxury
