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Auto Insurance Claims/"Diminished Value"


My vehicle recently experienced hail damage($3,800.00). My insurer(Safeway) told me that "diminished value" doesn't apply for hail damage. What are my options?

Hi Brian,

The determination of the diminished value of your vehicle will be based on the extent of the damage and the method of repair. For instance, if the damage is repaired by paintless dent repair (PDR) then there will be no diminished value. If the repairs are done by traditional body shop methods then there would likely be a diminished value. The both methods are utilized there would would be a lesser amount of diminished value.

So with the little bit of information I have provided here you can determine if there may be a diminished value. To find out for sure, you should visit

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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