What Is a Diminished Value Claim? { e.preventDefault(); Mntl.utilities.loadExternalJS( externalJS , () => { Mntl.CMP.onSdkLoaded(() => { OneTrust.ToggleInfoDisplay(); }) }); }, { once: true }); }); Mntl.CMP.init(true, ‘ccpa’, false, false, 3000); })(); window.Mntl = window.Mntl || {}; Mntl.RTB = Mntl.RTB || {}; Mntl.RTB.setTaxonomyStampValues({“tax1″:”bal_insurance”,”tax2″:”bal_car-insurance”,”tax0″:”bal_root”,”tax3″:”bal_car-insurance-basics”}); Mntl.RTB.setTimeoutLength([500,800]); Mntl.RTB.Plugins.amazon.amazonConfigs = {“mapTaxValues”:{“tax1″:”bal_insurance”,”tax2″:”bal_car-insurance”,”si_section”:”bal_car-insurance”,”tax0″:”bal_root”,”tax3″:”bal_car-insurance-basics”},”mapFBValues”:{“adunitid”:”mapFBID”},”amazonSlotName”:false,”amazonSection”:”Car Insurance Basics “}; Mntl.RTB.Plugins.prebid.setPriceGranularity({“buckets”:[{“max”:”20″,”increment”:”0.05″},{“max”:”70″,”increment”:”1″}]}); Mntl.RTB.initVideoBidders([{ type: ‘amazon’, id: ‘3446’ }, { type: ‘prebid’, id: ‘true’ } ]); 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Mntl.RTB.Plugins.prebid.setUserIdConfig({“liveIntentPublisherId”:”79922″}); Mntl.RTB.setLatencyBuffer(0); (function(){ const pageTargeting = { customSeries: ” ,abtest: ‘lcid1’ ,tax0: ‘The Balance’ ,custom: ” ,rid: ‘n9550a6a5bb5d4870b059b33228d21b3005’ ,sid: ‘n9550a6a5bb5d4870b059b33228d21b3005’ } ; const baseSlotTargeting = { leaid: ‘213354’ ,docId: ‘2645571’ ,viewtype: ” ,type: ‘term’ ,ptax: ‘bal_car-insurance’ ,vid: ‘0’ ,tax1: ‘bal_insurance’ ,tax2: ‘bal_car-insurance’ ,tier: ‘L’ ,leuid: ‘148122552371372’ ,id: ‘2645571’ ,tax3: ‘bal_car-insurance-basics’ ,tax4: ” ,inf: ‘0’ ,entryType: ‘direct’ ,gtemplate: ‘term’ ,revenueGroup: ” ,chpg: ‘1’ ,t: ‘125’ ,au: ‘147903’ ,jny: ‘0’ ,sbj: ” ,aid: ‘4ffd69431900526f608014ff’ ,jnyroot: ” } ; pageTargeting.mtax = [‘24259′,’10985’]; pageTargeting.w = Mntl.utilities.getW(); const initialSlots = []; initialSlots.push({ config: { id: ‘leaderboard-flex-1’, sizes: [[728, 90], [970,90], [970, 250]], type: ‘leaderboard’, rtb: true, timedRefresh: 0, waitForThirdParty: false }, targeting: Mntl.fnUtilities.deepExtend({}, { pos: ‘atf’, priority: 1 }) }); initialSlots.push({ config: { id: ‘button1’, sizes: [[120, 60]], type: ‘button’, rtb: false, timedRefresh: 0, waitForThirdParty: false }, targeting: Mntl.fnUtilities.deepExtend({}, { pos: ‘button1’, priority: 2 }) }); initialSlots.push({ config: { id: ‘button2’, sizes: [[120, 60]], type: ‘button’, rtb: false, timedRefresh: 0, waitForThirdParty: false }, targeting: Mntl.fnUtilities.deepExtend({}, { pos: ‘button2’, priority: 2 }) }); initialSlots.push({ config: { id: ‘button3’, sizes: [[120, 60]], type: ‘button’, rtb: false, timedRefresh: 0, waitForThirdParty: false }, targeting: Mntl.fnUtilities.deepExtend({}, { pos: ‘button3’, priority: 2 }) }); initialSlots.push({ config: { id: ‘button4’, sizes: [[120, 60]], type: ‘button’, rtb: false, timedRefresh: 0, waitForThirdParty: false }, targeting: Mntl.fnUtilities.deepExtend({}, { pos: ‘button4’, priority: 2 }) }); initialSlots.push({ config: { id: ‘square-flex-1’, sizes: [[300, 250],[299, 251],[300, 600],[300, 1050],[160, 600]], type: ‘billboard’, rtb: true, timedRefresh: 0, waitForThirdParty: false }, targeting: Mntl.fnUtilities.deepExtend({}, { pos: ‘atf’, priority: 2 }) }); const testIds = Mntl.GPT.getTestIds(); pageTargeting.ab = testIds; pageTargeting.bts = testIds; Mntl.utilities.onLoad(function() { Mntl.utilities.loadExternalJS({ src: ‘//securepubads.g.doubleclick.net/tag/js/gpt.js’, async: false }); }); const options = { domain: ‘www.thebalancemoney.com’, templateName: ‘termsc’, isMobile: false, dfpId: ‘3865’, publisherProvidedId: ’29bc6407-02b4-43a2-9b9b-44ffec7b0aa2′, singleRequest: false, useLmdFormat: true, useOxygen: true, useInfiniteRightRail: true, useAuctionFloorSearch: true, bundlePrebid: false, lmdSiteCode: ‘thebalancemoney’, pageTargeting, baseSlotTargeting, geo: { isInEurope: false, isInUsa: true }, initialSlots, auctionFloors: 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"How To File a Diminished Value Claim After an Accident."" ] ,"mainEntityOfPage": { "@type": ["WebPage"] ,"@id": "https://www.thebalancemoney.com/diminished-car-value-after-accident-2645571" ,"breadcrumb": { "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "item": { "@id": "https://www.thebalancemoney.com/car-insurance-4074040", "name": "Car Insurance" } } , { "@type": "ListItem", "position": 2, "item": { "@id": "https://www.thebalancemoney.com/car-insurance-basics-4073342", "name": "Car Insurance Basics " } } , { "@type": "ListItem", "position": 3, "item": { "@id": "https://www.thebalancemoney.com/diminished-car-value-after-accident-2645571", "name": "What Is a Diminished Value Claim?" } } ] } ,"reviewedBy": [ {"@type": "Person" ,"name": "Samantha Silberstein" ,"url": "https://www.thebalancemoney.com/samantha-silberstein-5115119" } ] ,"lastReviewed": "2022-09-23T13:31:23.518-04:00" } , "about": [ { "@type": "DefinedTerm", "name": "What Is a Diminished Value Claim?", "description": "A diminished value claim is an insurance claim to recoup money for the anticipated loss of resale value after a car has been in an accident—even if the car has been repaired. Because the accident is in the car's history report, future buyers will perceive its value as lower." } , { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Is diminished value the same as depreciation?", "acceptedAnswer": { "@type": "Answer", "text": "
Diminished value and depreciation are different. Depreciation is the normal decrease in a car’s value due to wear and tear over time. But diminished value is the actual or perceived reduced market value of a vehicle after being in an accident and getting damaged.” } } , { “@type”: “Question”, “name”: “How do I calculate the diminished value of my car?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “
You can ask your insurance agent to help you understand how value change is determined and how such claims are calculated in your state or by the insurer. Some insurers have specific formulas that take into account whether the damage was severe, moderate, or minor.
Not every car insurance company in every state will cover diminished value claims, and only some states explicitly offer case decisions regarding diminished value. Even if you have documented the loss of value, an insurance company can still argue against your claim. Speak with a lawyer for legal advice regarding your policy or situation.” } } ] } ] } ]]]>
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