InsurifyAIDiminished value claims
Your car was repaired. It's still worth thousands less.
Once a car shows an accident on its history, buyers pay less — even after a flawless repair. In most states you can claim that lost value from the at-fault driver's insurer. They never bring it up. We help you put the demand together.
Flat fee per claim. Never a percentage of your settlement. 30-day money-back guarantee.
What “diminished value” actually means
The loss is real
A repaired car with an accident on its Carfax sells for less than the identical car with a clean history. That gap is the diminished value — and it's yours, separate from the repair bill the insurer already paid.
Why they stay quiet
The at-fault insurer owes you for it in most states, but it's never on the estimate and the adjuster won't mention it. If you don't ask, with a number and comps behind it, you don't get it.
Who owes you
This is a third-party claim against the driver who hit you, not your own policy — so filing it doesn't raise your premium. (Your own collision coverage usually excludes diminished value.)
From accident to demand in three steps
Tell us the car and the accident
Year, make, model, mileage, and what was damaged. Two minutes — no appraiser visit.
We build the number
Pre- and post-accident value from KBB, NADA, and Edmunds data, plus comparable listings that show the accident-history discount in your market.
You send the demand
A formatted diminished-value demand letter — your number, your comps, the statute — addressed to the at-fault insurer. Mail it certified and follow up.
What your demand packet looks like
A clean, appraisal-backed report you can hand to any adjuster. Below is a sample for an illustrative claim — your real numbers come from your vehicle and market.
Diminished Value Appraisal — Summary
2023 Porsche Taycan 4S — rear collision, repaired
- Pre-accident market value
- $92,400
- Comparable clean-history listings
- 3 within 75 miles
- Post-repair value (accident on record)
- $80,100
- Repair cost (already paid by insurer)
- $18,750
- Diminished value claimed
- $12,300
Illustrative sample only — not a quote, appraisal, or prediction of outcome. Figures are examples to show report format.
Diminished value by vehicle
EV and luxury owners take the biggest hit — buyers in those segments scrutinize accident history hardest. Typical diminished-value ranges:
Don't see yours? Browse all makes →
Diminished value questions
Find out what your repaired car is owed.
Build your diminished-value demand in minutes — no upfront appraiser, no lawyer, no percentage of your check.