If your vehicle was damaged in an accident and repaired, you may be entitled to diminished value compensation — especially in Washington State, where case law supports these types of claims. This guide walks you through each step so you can file confidently and maximize your recovery.
✅ What Is Diminished Value?
Diminished value refers to the loss in resale value your car experiences after an accident, even if it’s been professionally repaired. Once a vehicle has a damage history, buyers are less likely to pay full market price — and that’s where your claim comes in.
🧾 Step-by-Step Process to File a Claim in Washington:
1. Confirm Eligibility
- You were not at fault for the accident.
- Your vehicle was repaired after the incident.
- Your car has a clean title (not salvage or rebuilt).
- The accident happened in Washington State.
2. Get a Certified Diminished Value Appraisal
Contact a local Washington diminished value appraisal expert. A third-party appraisal gives you an independent, certified report to present to the insurance company.
3. Submit the Demand Letter
Using your appraisal, send a demand letter to the at-fault party’s insurer. Include:
- Certified appraisal
- Repair invoices
- Police report (if available)
- Vehicle info (VIN, mileage, etc.)
Send all documents via certified mail to create a paper trail.
4. Allow 30 Days for a Response
Give the insurance company at least 30 calendar days to respond. If they ignore your claim, follow up in writing. If they deny it, request a written explanation.
5. Negotiate or Escalate
If the offer is low or denied without reason, you may:
- Re-negotiate with supporting documentation
- File a complaint with the Washington State Insurance Commissioner
- Seek legal help if needed
💡 Important Tips
- Don’t wait too long — claim windows vary by insurer.
- Avoid accepting early settlement offers without a formal appraisal.
- Keep detailed records of all communications.
📍 Why File in Washington?
Washington is one of the few states where diminished value claims are well-supported by state law and legal precedent. Insurance companies know this — which is why submitting a strong claim can lead to real results.
💬 Final Thoughts
You don’t have to accept the loss in value after a crash. With the right documentation and approach, Washington drivers have a strong chance of recovering thousands in diminished value. Ready to get started?