State Laws Related to Diminished Value

Information About Your State's Auto Insurance Rules

States have their own unique laws concerning auto insurance claims for Diminished Value.

State Government Resources
Directory of State Insurance Agencies

Calculate Your Diminished Value

Use the form below to simulate your Diminished Value after an auto accident. The results are an estimate based on some known and unknown factors, and will give you an idea on the possible amount of diminished value you are entitled to.

A statute of limitations requires a claim to be settled or lawsuit initiated within a certain time period. Please Use the list below to determine how long the Statute of Limitations for your Diminished Value claim is in your state:


In the state of Washington, if you are in a wreck and the accident was not your fault you are entitled to file a claim for Diminished Value. The following cases are pertinent to the State of Washington and Diminished Value:


In the state of Texas, if you are in a auto wreck and the accident was not your fault you are entitled to file a insurance claim for Diminished Value. The statute of limitations on filing a Diminished Value claim in Texas with your insurance is two years from the date of loss. In order to recover the losses you must have a diminished value appraisal completed by a professional automobile appraisal company, such as Autoloss. Also, if the other party in Texas does not have auto insurance and you carry uninsured/ underinsured motorist coverage you may be able to claim diminished value under your policy. . . You can also file a claim in small claims court in Texas for as much as $10,000. Autoloss can help the Texas consumer in many ways with their diminished value claim. We also have local Texas auto appraisers standing by to complete a diminished value inspection on your vehicle as well. Call 877-655-1661 so Autoloss can help you recover your losses today.

Diminished Value Claim Resources


Provided by the Texas Department of Insurance

In Texas, the other driver's insurance company may ask you to sign a release to settle your insurance claim and forgo future claims related to the accident. Don't sign a liability release until you are satisfied with the total settlement, including diminished value. Get a letter from your doctor estimating the cost and length of your future medical treatment. You might want to consult an attorney before accepting a settlement. Under Texas law, you have two years after an accident to either settle your claim or file a lawsuit.

Texas law prohibits insurance companies from delaying payment of a claim in order to pressure you to sign a release. If you believe an insurance company is delaying payment to pressure you, file a complaint with TDI.

If the other driver denies fault, his or her insurance company may refuse to pay the claim. Independent witnesses could make a difference in getting the company to pay. It's important to get names, addresses, and telephone numbers of any witnesses to the accident. Make sure the insurance company knows about the witnesses. If the company continues to refuse to pay the claim, you can file a claim against your own insurance or you may have to go to court to resolve the issue.

Before filing a insurance claim with your company, ask your agent or your company's underwriting department how a claim might affect your rates on renewal. A company cannot refuse to renew your policy solely because you had one accident in a 12-month period that was not your fault. However, if the accident affected your DPS driving record, your company may consider it in determining your rates, whether you filed a claim for the accident or not.

File A Diminished Value Claim With Autoloss

Dont let an auto accident diminish your vehicles value.  File a diminished value claim throught Autoloss today.    We are your diminished value experts in Texas.  Call our diminished value experts now and see for yourself!  TOLL-FREE: 877-655-1661

Our National Headquarters is in Portland, Oregon

We are Oregon-Licensed Appraisers

Can I File For Diminished Value In Oregon?

In the state of Oregon, if you are in a auto wreck and the accident was not your fault you are entitled to file a claim for Diminished Value. Simply Call NOW for a FAST FREE Consultation about your Diminished Value Claim (877) 655-1661

The following cases are pertinent to the State of Oregon and Diminished Value:


Recently, North Carolina has mandated that automobile appraisers become licensed to complete Diminished Value and Total Loss Appraisals. Autoloss became licensed to complete Diminished Value and Total Loss appraisals in 2008 in North Carolina.


In the state of Florida, if you are in a wreck and the accident was not your fault you are entitled to file a claim for Diminished Value.  If you live in Florida and have been involved in an auto accident then our Diminished Value claim experts in Florida can help you.

What is Diminished Value?

Know your rights if you've been in an auto accident in Florida. You may be entitled to a check from your insurance company for a Diminished Value claim. Diminished value is the automatic loss of value from a auto collision. Almost every vehicle in Florida that has been in a wreck will have some form of inherent diminished value.

It has been estimated that 55% of Florida consumers would not buy a car that had been in an auto accident. 81% would not have a car that had been in a wreck unless they were given a large discount. Our diminished value survey results show the stigma may be even higher.


It is universally accepted that in every state Diminished Value is owed to the claimant by the at fault party. In Georgia, North Carolina, and Kansas the insurance companies owe Diminished Value to their policyholders as well. This is great news for consumers in all three states.


Terry M. Fisher, Owner,
Terry M. Fisher Founder

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