Auto Insurance Claims/diminished value


My car was parked and got hit.  It is a 2012 with 8ooo miles.  The damage estimate is a little over $14000.  I am wanting diminished value on the vehicle.  The person that hit me insurance it taking care of the damages and furnished a rental car.  I live in Ohio and her insurance company tells me there is no diminished value law in Ohio..  my insurance company told me about this.  
What do I need to do to get the diminished value for my vehicle?
Thank you for your time

Hi Carolyn,

Below is an explanation of the diminished value claim process:

The Diminished Value Claim Process
Step 1: Proof of Loss
The 1st step in the diminished value claim process is to be able to prove your loss. This can only be done by hiring a diminished value expert. The determination of the amount of value a vehicle has lost can only be assessed by an experienced appraiser knowledgeable in collision damage analysis, vehicle markets and what happens to vehicles with a damage history in those markets. Only an independent, unbiased appraisal will provide the necessary documentation to determine the diminished value of your car, light truck or SUV.

Step 2: Submission of your claim to the responsible party
Once you have established the amount of your vehicle’s diminished value and have your proof of loss, you need to submit that proof with a formal demand for payment letter. Your demand letter along with your proof of loss documents should be sent to the responsible party by certified mail/return receipt requested. This will provide you with proof that you sent it and will also provide proof that they received it when you receive the delivery receipt with their signature.

Step 3: Settlement of Your Claim
Once you have submitted your demand letter along with your proof of loss by certified mail/return receipt requested, you will then wait for a reply. The reply will be either payment in full, or they will try to negotiate down the amount of your demand. There are many tactics used to do this including to try to refute your documentation, to offer some other evidence that the loss is much lower than your demand, to hire their own “independent appraiser”, and in some cases they may even deny your claim outright stating they do not owe for diminished value since the vehicle was repaired properly. The key is being properly prepared to respond to any or all of these situations. In the end, if a reasonable settlement can not be reached, your final recourse would be to file a law suit against the responsible party, however this rarely occurs.

I would suggest that you visit which is the website for Collision Claim Associates, Inc.. They are professional vehicle appraisers that specialize in diminished value appraisaals and claims assistance.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh


Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.


I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Society of Certified Auto Appraisers

Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

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My company has done work for consumers nationwide.

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