Diminished Value

Post-repair value loss claims

got my 2023 Lexus RX 350 back from the body shop after a rear-end collision - cosmetic repair looks flawless but Carfax now shows the accident and the post-repair value is documented down. how do i actually recover diminished value from the at-fault carrier (USAA) and is the 17c formula vs market-comp methodology fight worth the appraisal cost?

looking for the procedural playbook on a third-party diminished value claim. first time dealing with this and the at-fault carrier is being deliberately slow on returning my calls. want to make sure i...

Posted by determinedpatient136•0mo ago

6 comments

recovered $6,840 in diminished value from Geico (at-fault carrier) after they initially offered $612 - the appraiser + 17c teardown that flipped them

writing this up because the DV section of this forum is half "you cant get DV in my state" and half "carriers always lowball, take what they offer." both takes are wrong if you are in a state that...

Posted by sarahdenial36•1mo ago

6 comments

got $4,200 in diminished value on a 2023 RAV4 that got hit while parked - here is exactly what i submitted and what the carrier pushed back on

posting this because every DV thread i read before starting this said "good luck, third party DV claims are basically impossible" and that turned out to be wrong in my case. wife and i bought a 2023...

Posted by stressedPolicyholder830•1mo ago

6 comments

Geico offered $1,800 in diminished value on my 2023 Honda Accord Touring after $19,400 in rear-end repairs (8k miles, Virginia) - is this lowball and what comp data do i need to push back?

looking for some sanity check from anyone who has actually filed a DV claim and gotten paid. my 2023 honda accord touring, just under 8k miles on it when it happened, was rear-ended at a stoplight in...

Posted by stressed_claimant_694•1mo ago

5 comments

Got $3,800 diminished value check from at-fault driver insurer in Georgia - heres what worked

Wanted to share this because I almost gave up on the diminished value claim and im glad i didnt. Last March a guy ran a red light and t-boned my 2022 Honda Accord. His Geico policy covered the repairs...

Posted by policyHolderMike•1mo ago

5 comments

Geico tried to settle my 2023 Audi Q5 diminished value claim at $1,800 after a 32 mph rear-end collision did $24k in repairs even though the car was 14 months old with 19k miles. Won $9,400 in DV using the Georgia 17c formula attack, a certified appraiser report, and the Mabry v. State Farm precedent. The valuation framework that breaks the lowball settlement

Sharing this because diminished value (DV) claims are systematically lowballed by every major auto carrier and the recovery framework is one of the best-documented but least understood areas of...

Posted by worried_homeowner_933•2mo ago

6 comments

Progressive lowballed my third-party diminished value claim on a 2024 Tesla Model 3 after their insured rear-ended me at a red light. Initial offer was $1,400. Settled at $8,750 after submitting an independent DV appraisal and a demand letter citing Georgia's third-party DV statute and the Mabry case law. Step by step what worked

Posting the full playbook because diminished value (DV) claims are the most consistently lowballed third-party claim and almost everyone leaves $5,000 to $15,000 on the table by accepting the...

Posted by anxiousresident589•2mo ago

6 comments

Recovered $11,400 in diminished value from Geico after they totaled out my 2023 Tacoma at $42,200 then 'restored' it as a salvage rebuild. The play was Texas DV claim against the at-fault driver's carrier, not mine

Sharing this because diminished value claims are wildly misunderstood and most people leave significant money on the table. I was rear ended at a red light by a distracted driver in November 2025...

Posted by annoyed_driver_75•2mo ago

6 comments

Won $7,800 diminished value claim against the at-fault driver's Geico policy on my 2023 Civic. Here's the exact appraisal report that did it

Wanted to share the process that worked because every diminished value thread on here ended at "Geico offered me $400 take it or leave it" and i was about to do exactly that until i started digging....

Posted by stressedClaimant865•2mo ago

7 comments

At fault insurer paid to fix my car but is denying diminished value because 'Texas doesn't allow third party DV.' Is that actually true?

Got rear ended on the tollway last month, full stop in traffic, the other driver was clearly at fault and his carrier accepted liability quickly. They paid for the body shop work, about $7,800, and a...

Posted by annoyed_driver_75•2mo ago

6 comments

Won $4,800 in diminished value from the at-fault driver's insurer - here's exactly what I did

Posting this because when I got rear-ended last December I had no idea diminished value was even a thing, and the at-fault driver's insurer (Progressive) made zero mention of it during the repair...

Posted by hopefulResident980•2mo ago

9 comments

What is diminished value and can I actually get it?

Someone hit my 2 year old car and it was repaired through their insurance. Now I have an accident on the car's history which tanks the resale value. A friend told me I can file a diminished value...

Posted by waterAdvocate69•4mo ago

4 comments

My car lost $5k in value after their driver hit me and insurance offers nothing

Got hit by an insured driver. Car was repaired but now it has an accident on its history. Carfax shows it, value dropped significantly. Filed a diminished value claim and they offered me $500. The...

Posted by worriedSeller76•6mo ago

5 comments

My diminished value claim journey - 3 months later

Wanted to share my experience with a diminished value claim since I learned a lot from this community when I started.Filed in October, adjuster came out within a week. Initial offer was about 40% of...

Posted by roofFlorida47•6mo ago

5 comments

Diminished Value - what should I expect?

Filed a claim last week for diminished value and haven't heard anything back yet. Is this normal?The damage is pretty significant and i'm getting worried they're just going to lowball me or deny it...

Posted by watertired63•6mo ago

5 comments