Your Car Lost $4,600.
They Offered You $1,000.
That Gap Is Yours to Claim.

After a not-at-fault accident, your vehicle is permanently worth less — even after perfect repairs. Insurance companies use the 17c formula to lowball that loss. MyFairClaim uses real market data to document what you're actually owed, and puts the tools in your hands to collect it.

All 50 States Covered
📋 Court-Admissible Reports
⚖️ Licensed Adjusters
🔒 Won't Affect Your Rates
4,500+ Verified Clients

What Is a Diminished Value Claim — and Why Does It Matter?

After a not-at-fault accident, your vehicle is permanently worth less on the open market — even after professional repairs. That gap is called diminished value, and in most states you have the legal right to recover it from the at-fault driver's insurance company.

Insurance companies use the 17c formula to systematically undervalue your loss. MyFairClaim produces professional diminished value appraisal reports backed by real comparable vehicle sales — serving vehicle owners in all 50 states.

Choose Your Level of Support

Every tier includes both reports and the same professional appraisal methodology. Higher tiers add the interactive tools that help you navigate what comes after.

Essential
$49.99
The two reports you need to document your claim and demand compensation from the insurer.
  • LossIntel™ Impact Report (PDF)
  • VehicleIntel™ Valuation Report (PDF)
  • Professional appraisal methodology
  • Real comparable vehicle data
  • Instant digital delivery
  • All 50 states
Get Essential
Premium
$249.99
The full suite — for claims that need every tool from first filing through formal dispute escalation.
  • Everything in Professional
  • Insurance Response Guide (IRG)
  • Insurance Dispute Guide (IDG)
  • Appraisal clause guidance
  • Priority 24-hour delivery
  • 90-day tool access
Get Premium

Two Reports. Every Order. Included in All Tiers.

Every package — Essential, Professional, and Premium — includes both the LossIntel™ and VehicleIntel™ reports. Scroll the previews below to see exactly what you receive.

LossIntel™ Impact Report

Diminished value calculation & claim documentation
Included All Tiers
MyFairClaim LLC · LossIntel™ Report ID: LI-2026-00847
Date: March 28, 2026
Diminished Value Impact Report
Professional Appraisal — Third-Party Claim Documentation
Vehicle2022 Honda Accord Sport VIN1HGCV1F34NA•••••• Mileage28,400 mi StateColorado
Claim Summary
Date of Loss
January 14, 2026
Repair Completed
February 28, 2026
At-Fault Insurer
State Farm Mutual
Damage Severity
Moderate (Structural)
Repair Cost
$11,240.00
Claim Number
SF-2026-••••••
Pre-Accident Market Value Analysis
MarketCheck Comparable Average (15 vehicles)$29,850
Mileage Adjustment (28,400 mi)−$480
Condition Adjustment (Excellent)+$320
Regional Market Factor (CO)+$210
Established Pre-Accident Value (PAMV) $29,900
Diminished Value Calculation — MFC Enhanced Method
Pre-Accident Market Value (PAMV)$29,900
Comparable Post-Accident Sales (12 vehicles)$24,750 avg
Structural Damage Stigma Factor×0.88
Market Discount — Accident History−$5,400
17c Formula Result (insurer will cite this)$1,196
MFC Calculated Diminished Value
$4,750.00
$3,554 more than the insurer's 17c estimate
Market Comparable Evidence (Sample — 5 of 15)
VehicleMilesHistorySale Price
2022 Honda Accord Sport24,100Clean$30,200
2022 Honda Accord Sport27,800Clean$29,500
2022 Honda Accord Sport31,200Accident$24,900
2022 Honda Accord Sport26,500Accident$25,100
2022 Honda Accord Sport29,000Clean$29,800
✓ Court-Admissible
Appraiser Certification
I certify that the facts and data contained herein are true and correct to the best of my knowledge and belief. The appraiser has no present or prospective interest in the property that is the subject of this report and has no personal interest or bias with respect to the parties involved.

MyFairClaim LLC · Licensed Insurance Adjuster · AZ Lic. ••••••
Digital signature applied — March 28, 2026
↕ Scroll to preview · Full report delivered as PDF

VehicleIntel™ Valuation Report

Market valuation, condition analysis & comparables
Included All Tiers
MyFairClaim
myfairclaim.com · 877-503-3247
Fair Market Value Report
ESSENTIAL REPORT
Report Date: March 28, 2026  │  ID: VI-ES-2026-00847
Marcus T.  │  2022 Honda Accord Sport  │  Colorado  │  Loss: Jan 14, 2026
PRE-ACCIDENT MARKET VALUE
$29,900
Established Market Value
MARKET RANGE
$24,900 – $30,200
Low to High Among Comparables
COMPARABLES ANALYZED
15
Active Market Listings Reviewed
VEHICLE PROFILE
YEAR / MAKE   2022 Honda
MODEL / TRIM   Accord Sport 1.5T CVT
BODY STYLE   4-Door Sedan
ENGINE   1.5L Turbocharged 4-Cyl
VIN   1HGCV1F34NA••••••
ODOMETER   28,400 miles
COLOR   Sonic Gray Pearl
CONDITION   Excellent (Pre-Loss)
COLORADO MARKET CONDITIONS
Market Demand (2022 Accord)High
Avg Days on Market14 days
Accident History Discount (CO)−18.1%
FAIR MARKET VALUATION
NADA Book Value Reference$28,900
MarketCheck 90-Day Sales Average$29,850
Trim Premium (Sport vs. Base)+$1,200
Mileage Adjustment−$480
ESTABLISHED FAIR MARKET VALUE$29,900
MyFairClaim LLC  │  myfairclaim.com  │  877-503-3247
Fair Market Value Report — Essential  │  Page 1 of 3
↕ Scroll to preview · Full report delivered as PDF

Step-by-Step Guides That Do the Heavy Lifting.

The reports document your loss. The tools tell you exactly what to do with them. Professional and Premium tiers include interactive, web-based guides written by licensed insurance adjusters — not generic templates.

Each guide walks you through the process step by step, with real language to use, red flags to watch for, and escalation paths if the insurer pushes back.

Unlock them at checkout. Access them anytime for 90 days from a secure link in your confirmation email.

What's Included at Each Tier

Essential
LossIntel™ + VehicleIntel™ ReportsBoth appraisal reports, generated instantly at checkout.
Professional
Reports + Claim Filing Guide (CFG)Everything in Essential, plus the interactive guide to filing your claim from scratch.
Premium
Reports + CFG + Response & Dispute GuidesFull suite — every tool for filing, responding to low offers, and formal escalation.
★ PROFESSIONAL TIER ★
Claim Filing Guide
Part of Your MyFairClaim Professional Report
Professional Claim Filing Tool
"They fixed the car. Not the history. You shouldn't pay the difference."
📚 Live Legal Citations ⚖️ 50-State Coverage 📄 Demand Letter Generator
1
Learn
2
Review Laws
3
Enter Info
4
Gen. Letter
5
Send Email
6
Complete
Step 1 of 6 — 0% Complete
📋 Gather These Items Before You Begin (5 minutes):
Your MyFairClaim reports (Fair Market Impact & Value Reports)
Vehicle information (Year, Make, Model, VIN)
Insurance claim paperwork (Policy #, Claim #)
Your contact information (Name, Email, Phone, Address)
10 minutes of uninterrupted time to complete the form
Step 1 — Understanding Diminished Value
Diminished value is the reduction in your vehicle's market value caused by its accident history — even after professional repairs. In most states, you have the legal right to recover this loss from the at-fault driver's insurance company.
✓ Colorado recognizes third-party DV claims. Your statute of limitations is 3 years from the date of loss.
★ PREMIUM TIER ★
Insurance Response Guide
PREMIUM CLAIMS RESPONSE SYSTEM
Professional response templates and phone scripts designed to help you handle insurance company tactics with confidence.
Professional Response System
"They have tactics. You have truth. Respond with confidence."
📅 What to Expect
📝 Response Templates
📊 Doc Tracker
🎊 Complete
What to Expect After Submission
Understanding the claim process and typical insurance company responses
✓ You've Submitted Your Claim. Now you'll navigate the insurance company's response process.
Day 1–3
Acknowledgment
Insurer acknowledges receipt. They may request additional documentation.
Day 7–14
Initial Response
They may accept, make a low offer, or deny. Use the Response Templates tab for each scenario.
Day 21–30
Negotiation & Settlement
Most claims resolve here with proper documentation and professional counter-response.
★ PREMIUM TIER ★
Insurance Dispute Guide
PREMIUM CLAIMS ESCALATION SYSTEM
"They fixed the car. Not the history. You shouldn't pay the difference."
Turn Denials Into Settlements
"They denied. You escalate. They pay."
Overview
DOI Complaints
Small Claims
Completion
When to Escalate Your Claim
Sometimes professional documentation isn't enough. When insurance companies refuse valid DV claims, escalation is necessary.
⚠️ Only use this guide if the IRG response process has been exhausted. Premature escalation can harm your negotiating position.
Strategic Escalation Path
Recommended Order →
1
Demand Letter — First written escalation with appraisal attached
2
DOI Complaint — File with State Insurance Commissioner
3
Small Claims Court — For claims typically under $10,000

Why MyFairClaim Beats the 17c Formula

Insurance companies use the 17c formula to minimize what they pay you. We use real market data to document what you're actually owed. Here's the difference.

🔢

Real Comparable Sales — Not Formulas

Every report is built on actual sold-vehicle data from your market. We find what identical vehicles — with and without accident history — actually sell for and document the gap.

📋

Professional Appraisal Methodology

Our appraisals meet the Uniform Standards of Professional Appraisal Practice — the same standard used in court proceedings, arbitration, and formal dispute resolution nationwide.

🎓

Written by Licensed Adjusters

Our founders are licensed insurance adjusters. We know how claims get denied, how low offers get justified, and exactly what a report needs to be defensible and demand-ready.

Tools That Navigate the Process

Reports are just the start. Professional and Premium tiers include step-by-step interactive guides that walk you through filing, responding to the insurer, and escalating if needed.

Common Questions Answered

Everything you need to know about the reports, tools, and process.

Diminished value is the permanent drop in your vehicle's market value after an accident — even after full repairs. Buyers discount accident history on Carfax, and that discount is real money you're legally owed from the at-fault driver's insurance in most states. A documented professional appraisal is what shifts the conversation from "we don't owe you anything" to a negotiated settlement.
LossIntel™ is the diminished value calculation report — it documents the specific dollar amount your vehicle lost in market value and directly refutes the insurer's 17c formula. VehicleIntel™ is the supporting valuation report — it establishes your vehicle's pre-accident fair market value using real comparable sales, giving the LossIntel™ calculation a solid, defensible foundation. Both are required for a complete, credible claim package.
The insurer uses the 17c formula, which applies a 10% cap to your vehicle's value then reduces it further using arbitrary multipliers. For a $30,000 vehicle with moderate damage, 17c typically produces a figure around $1,000–1,500. Our market-comparable method on the same vehicle commonly produces $4,000–6,000 — and every figure is documented with real sold-vehicle evidence rather than a formula.
Essential is sufficient if you're comfortable writing your own demand letter and negotiating directly with the insurer. Professional is the right choice for most people — the Claim Filing Guide walks you through every step and the demand letter is included. Premium adds the response and dispute tools for claims where the insurer pushes back hard or makes a low counteroffer, which is common on larger claims over $3,000.
No. You're filing a third-party claim against the at-fault driver's liability insurance — not making a claim on your own policy. Your premiums, deductible, and claims history are completely unaffected. You have nothing to lose by filing.
Your reports are delivered within 48 hours of order. Most insurance companies respond to a professionally documented claim within 2–4 weeks. If the insurer pushes back, the IRG and IDG tools (Premium) give you a structured escalation path that typically resolves within 60 days without requiring an attorney.

Related Resources

Free DV Calculator Appraisal Clause Guide Estimate Review DV Guides & Articles

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Our quick and simple appraisal process can help you recoup vehicle-related losses.