Diminished Value Claims by State

After an accident, a repaired car is worth less than an identical car with a clean history, and in every state, that lost value can be claimed from the at-fault driver's insurer. The deadlines, first-party rules, and practical tactics differ by state. Pick your state below for a step-by-step filing guide.

Alabama diminished value guide Alaska diminished value guide Arizona diminished value guide Arkansas diminished value guide California diminished value guide Colorado diminished value guide Connecticut diminished value guide Delaware diminished value guide Florida diminished value guide Georgia diminished value guide Hawaii diminished value guide Idaho diminished value guide Illinois diminished value guide Indiana diminished value guide Iowa diminished value guide Kansas diminished value guide Kentucky diminished value guide Louisiana diminished value guide Maine diminished value guide Maryland diminished value guide Massachusetts diminished value guide Michigan diminished value guide Minnesota diminished value guide Mississippi diminished value guide Missouri diminished value guide Montana diminished value guide Nebraska diminished value guide Nevada diminished value guide New Hampshire diminished value guide New Jersey diminished value guide New Mexico diminished value guide New York diminished value guide North Carolina diminished value guide North Dakota diminished value guide Ohio diminished value guide Oklahoma diminished value guide Oregon diminished value guide Pennsylvania diminished value guide Rhode Island diminished value guide South Carolina diminished value guide South Dakota diminished value guide Tennessee diminished value guide Texas diminished value guide Utah diminished value guide Vermont diminished value guide Virginia diminished value guide Washington diminished value guide West Virginia diminished value guide Wisconsin diminished value guide Wyoming diminished value guide District of Columbia diminished value guide District of Columbia diminished value guide
View filing guide →

Hover over your state, then click for its filing guide, deadlines, and sample demand letter.

Diminished value guides for every state

Each guide covers that state's filing deadline, first-party vs third-party rules, the law behind the claim, and a copy-paste sample demand letter.

Filing against a specific insurer

Carrier-specific guides: how each major insurer typically handles diminished value claims, and how to file yours.

Diminished value by vehicle

Model-specific guides: how the used market treats accident history on America's most common vehicles, and what claims typically recover.

Tools & resources

Not sure what your claim is worth? Get a free, data-backed diminished value estimate in about two minutes.

Get My Free Estimate