How to Calculate Diminished Value Claim
What a repaired vehicle loses in resale value, and whether you can claim it.
How this number is built
Calculating it yourself
Step 1
Establish pre-accident market value from comparable local listings.
Step 2
Obtain the full repair estimate showing what was replaced and whether structure was involved.
Step 3
Get an independent appraisal — insurers rarely volunteer a diminished value payment.
Step 4
File against the at-fault driver's insurer, since first-party claims are usually excluded.
What people ask next
Can I claim it on my own policy?
Usually not. Most first-party policies exclude diminished value; it is a third-party claim.
Does a clean repair remove the loss?
No. The accident appears on vehicle history reports regardless of repair quality, and that is what buyers discount.
Searches this page answers
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