How to handle a diminished value claim

Even after perfect repair, an accident-history car typically loses 10-30% of its resale value. Texas allows recovery of this loss from the at-fault driver's insurance — but you have to ask.

1. Confirm you're eligible: You must NOT be the at-fault driver. The claim is against the OTHER driver's liability insurance, not your own carrier.
2. Get your repair documentation: Save all repair invoices, parts lists, and the official damage report.
3. Get an independent appraisal: A licensed auto appraiser can quantify the loss in resale value. Cost typically $200-$500. Multiple firms in the Houston area offer this.
4. File the diminished value claim: Send the appraisal + repair documentation to the at-fault driver's insurance carrier with a written demand letter.
5. Negotiate: Insurers often counter with a low offer. If the carrier refuses to pay reasonable diminished value, you can pursue small-claims court (Texas threshold: $20,000).
6. Know the deadline: Texas statute of limitations for property damage claims is 2 years from the accident date. Don't wait.