Diminished Value Report

How much value an accident took even after a quality repair.

Diminished Value Report

How much value an accident took even after a quality repair.

At a glance


Price	$5.99 per run.
Tool name	`generate_diminished_value_report`
Scope	`reports:diminished-value`
Built for	Insurance Adjuster

What it does

Diminished value claim baseline: pre-loss value via ML + 17c-modified formula with severity multiplier + mileage penalty. Returns a comparable-based DV figure, NOT a state-specific 17c claim, for court-defensible numbers in GA/MS/etc., supplement with a certified DV appraiser. Use when the user is filing or evaluating a diminished value claim after an accident.

Arguments

Argument		What it is	Example
`vin`	Required	17-character vehicle identification number.	`5YJ3E1EA8KF000000`
`mileage`	Required	Current vehicle mileage.	`31000`
`accident_date`	Required	Date of the accident in ISO format (YYYY-MM-DD).	`2026-02-10`
`damage_severity`	Required	Damage severity: "minor", "moderate", or "severe". Drives the severity multiplier in the DV formula.	`moderate`
`repair_cost_usd`	Recommended	Documented repair cost (separate claim from DV but useful context).	`4200`
`state`	Recommended	US state abbreviation (e.g. GA, MS, TX). Used to flag state-specific 17c formula availability.	`GA`
`zip`	Optional	Vehicle owner's ZIP code. Improves regional context.	`30309`
`appraiser_name`	Optional	Appraiser or preparer name for the certification block. Defaults from the appraisal profile in account settings on appraisal-flavored runs; a value typed here always wins.	`Jane Smith, ASA`
`appraiser_license`	Optional	License or credential shown with the preparer name. Defaults from the appraisal profile in account settings.	`UT Lic. 12345`
`client_name`	Optional	Client the appraisal is prepared for (renders in the certification block).	`Acme Insurance`
`file_number`	Optional	Claim / file / stock reference number for the certification block. Leave blank to auto-assign the next number in your account's own series (e.g. ACME-2026-0007; set the prefix in account settings) whenever appraiser fields are used.	`CLM-2026-0417`
`exclude_vins`	Optional	Comparables to EXCLUDE (comma or newline separated VINs). They are dropped from every pool before valuation and listed as considered-and-rejected.

What comes back

Vehicle specs
Pre-loss value
Diminished value calculation
Market resistance factor
History visibility
Comparable evidence

Asking for it in a chat client

Filing a diminished-value claim. VIN 4T3R6RFV7MU015349, 42,800 miles, accident on 2026-04-15, moderate damage, $4,200 repair, state IL, ZIP 60601.

How much value did my Highlander lose after a minor accident? VIN 5TDGZRBH6MS105706, 40,000 miles, accident 2026-03-22, minor damage.

Running it from a backend

Grant an agent the reports:diminished-value scope, then call the tool over MCP:

{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "generate_diminished_value_report",
    "arguments": {
      "vin": "5YJ3E1EA8KF000000",
      "mileage": 31000,
      "accident_date": "2026-02-10",
      "damage_severity": "moderate"
    }
  }
}

See Server-side access for the token exchange and how to read the response.