How much is my diminished value claim worth?

This report gives a baseline: the pre-loss value times a damage severity multiplier and a mileage penalty, with comparable evidence; for a figure built from comparables you choose, use the Diminished Value Worksheet.

What is a diminished value claim?

A diminished value claim asks for the resale value a vehicle loses because it now has an accident history, a loss that remains after a proper repair and comes on top of the repair bill. Claims usually go to the at-fault driver's insurer, and the rules vary by state. This report estimates the loss by VIN from the pre-loss value, the damage severity and the mileage, with comparable evidence.

Can I claim diminished value if the car was repaired?

Yes. Diminished value is the loss that remains after a proper repair, because buyers pay less for a car with an accident history. Claims usually go to the at-fault driver's insurer, and the rules and deadlines vary by state.

How do I file a diminished value claim?

Finish the repair and keep the invoice. Get a written valuation of the pre-loss value and the loss in value, then send it to the at-fault driver's insurer with the repair records and photos and ask for payment under your claim number. Deadlines and rules differ by state, so check yours, and expect a counteroffer. This report gives a baseline with comparable evidence; for a valuation an appraiser builds from comparables and certifies, use the Diminished Value Worksheet.

Is there a diminished value calculator?

Yes: this report estimates diminished value by VIN from the pre-loss value, a severity factor and a mileage penalty, with comparable evidence. For the 17c formula with every factor editable, use the Diminished Value Worksheet.

How is diminished value calculated?

Pre-loss value comes from the MarketCheck Price model, and the diminished value is that figure times a damage severity multiplier and a mileage penalty, a 17c-modified calculation. Market resistance and history visibility are shown for context and do not change the figure. Comparable evidence is attached.

Is this a state-specific 17c claim?

No. It returns a comparable-based diminished value figure as a claim baseline. For court-defensible numbers in states such as Georgia or Mississippi, supplement it with a certified diminished value appraiser or run the Diminished Value Worksheet, where an appraiser picks the comparables.

The VIN, the current mileage, the accident date and the damage severity (minor, moderate or severe). Documented repair cost, state and ZIP add context.

Yes. The mileage penalty reduces the figure as miles climb, and formula-based methods yield very little on high-mileage vehicles. The report shows the factors it applied so you can see why.

$5.99 per report. Connect the MarketCheck AI Desk to Claude or ChatGPT once and ask in plain English, or run it from this website. You pay per report from a credit balance, with no subscription.

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For Insurance Adjuster For Public Adjuster For Claims Attorney

Diminished value calculator by VIN, with comparable evidence

A diminished value claim asks the at-fault driver's insurer for the resale value your car lost because of the accident, on top of the repair. This report estimates it by VIN: the pre-loss value times a severity factor (minor 3%, moderate 6%, severe 10%) and a mileage penalty, with comparable listings attached. It costs $5.99.

What you get

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

See a sample report

You provide

Required

VIN
17-character vehicle identification number.
Mileage
Current vehicle mileage.
Accident date
Date of the accident.
Damage severity
Damage severity: "minor", "moderate", or "severe".

Recommended (improves accuracy)

Repair cost (USD)
Documented repair cost (separate claim from DV but useful context).
State
US state abbreviation (e.g. GA, MS, TX).

Optional (6)

ZIP
Appraiser name
Appraiser license
Client name
File number
Exclude VINs

What your assistant shows back

The interactive report Claude and ChatGPT show in the chat, built on live MarketCheck data. Every run also returns a shareable link to the same report.

You

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

Claude

via MarketCheck data

Diminished Value Report or Diminished Value Worksheet?

	Diminished Value Report ($5.99 per run)	Diminished Value Worksheet ($5.99 per run)
Pre-loss value	From the MarketCheck Price model	From comparables you select, verified on the dealer page
Method	Pre-loss value x a severity factor (minor 3%, moderate 6%, severe 10%) x a mileage penalty (0.7 over 60,000 miles, 0.5 over 100,000)	17c (a 10% cap x damage x mileage) or a straight percentage, every factor editable
Who it is for	Owners and adjusters who want a fast baseline	Appraisers, public adjusters and attorneys preparing the claim
Output	A hosted report with comparables	A hosted worksheet, a branded Excel and a read-only copy

Try a prompt in Claude or ChatGPT

Each one opens a new chat with the prompt filled in. Swap in your own details.

Filing a diminished-value claim. VIN 4T3R6RFV7MU015349, 42,800 miles, accident on Apr 15, 2026, moderate damage, $4,200 repair, state IL, ZIP 60601.
Open in Claude Open in ChatGPT
How much value did my Highlander lose after a minor accident? VIN 5TDGZRBH6MS105706, 40,000 miles, accident Mar 22, 2026, minor damage.
Open in Claude Open in ChatGPT

Who runs the Diminished Value Report

Vehicle owners filing a diminished value claim against the at-fault carrier.
Adjusters and public adjusters evaluating a claim.
Attorneys who need a baseline figure before commissioning a certified appraisal.

Before you run it

How much is my diminished value claim worth?: This report gives a baseline: the pre-loss value times a damage severity multiplier and a mileage penalty, with comparable evidence; for a figure built from comparables you choose, use the Diminished Value Worksheet.
What is a diminished value claim?: A diminished value claim asks for the resale value a vehicle loses because it now has an accident history, a loss that remains after a proper repair and comes on top of the repair bill. Claims usually go to the at-fault driver's insurer, and the rules vary by state. This report estimates the loss by VIN from the pre-loss value, the damage severity and the mileage, with comparable evidence.
Can I claim diminished value if the car was repaired?: Yes. Diminished value is the loss that remains after a proper repair, because buyers pay less for a car with an accident history. Claims usually go to the at-fault driver's insurer, and the rules and deadlines vary by state.
How do I file a diminished value claim?: Finish the repair and keep the invoice. Get a written valuation of the pre-loss value and the loss in value, then send it to the at-fault driver's insurer with the repair records and photos and ask for payment under your claim number. Deadlines and rules differ by state, so check yours, and expect a counteroffer. This report gives a baseline with comparable evidence; for a valuation an appraiser builds from comparables and certifies, use the Diminished Value Worksheet.
Is there a diminished value calculator?: Yes: this report estimates diminished value by VIN from the pre-loss value, a severity factor and a mileage penalty, with comparable evidence. For the 17c formula with every factor editable, use the Diminished Value Worksheet.
How is diminished value calculated?: Pre-loss value comes from the MarketCheck Price model, and the diminished value is that figure times a damage severity multiplier and a mileage penalty, a 17c-modified calculation. Market resistance and history visibility are shown for context and do not change the figure. Comparable evidence is attached.
Is this a state-specific 17c claim?: No. It returns a comparable-based diminished value figure as a claim baseline. For court-defensible numbers in states such as Georgia or Mississippi, supplement it with a certified diminished value appraiser or run the Diminished Value Worksheet, where an appraiser picks the comparables.
What do I need?: The VIN, the current mileage, the accident date and the damage severity (minor, moderate or severe). Documented repair cost, state and ZIP add context.
Does mileage matter?: Yes. The mileage penalty reduces the figure as miles climb, and formula-based methods yield very little on high-mileage vehicles. The report shows the factors it applied so you can see why.
What does it cost?: $5.99 per report. Connect the MarketCheck AI Desk to Claude or ChatGPT once and ask in plain English, or run it from this website. You pay per report from a credit balance, with no subscription.

Want programmatic access to the reports? Technical reference (inputs, outputs, the MCP tool name): Diminished Value Report documentation.

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One VIN in full depth: valuation with the comparable evidence behind it.

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The data underneath

Sold Market Data for insurance adjusters

Run the Diminished Value Report

$5.99 per run. Run it here, or connect Claude or ChatGPT and ask in plain English.

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