Diminished Value Appraisal Reports —
Built to Beat the 17c Formula.
Your vehicle lost thousands. The insurer's formula is designed to pay you as little as possible. Get the documentation that puts the real number on the table.
⏳ Most states allow 2–3 years to file. Claims documented early settle significantly better.
Essential
$49.99
The professional documentation you need to put a real number in front of the insurer.
LossIntel™ Diminished Value Report
VehicleIntel™ Market Value Report
Real comparable vehicle data
Instant digital delivery
Without a professional appraisal, the insurer's 17c number is the only number on the table.
The insurer's 17c formula is designed to produce the smallest defensible number. Here's what it looks like on a real vehicle versus a market-based appraisal.
❌ Insurer's 17c Formula — 2022 Honda Accord Sport
Pre-accident value cap (10%)$2,990
Damage multiplier (moderate)×0.50
Mileage multiplier×0.40
Their offer: $1,196
✓ MFC Market-Based Appraisal — Same Vehicle
Pre-accident market value (PAMV)$29,900
Post-accident comparable sales avg$24,750
Documented market discount−$5,150
What you're actually owed: $4,750
What Is a Diminished Value Claim?
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.
The Reports
Two Diminished Value Reports — Included in All Tiers.
Every package includes both the LossIntel™ and VehicleIntel™ reports. Scroll the previews to see exactly what the insurer will be responding to.
LossIntel™ Impact Report
Diminished value calculation & claim documentation
All Tiers
MyFairClaim LLC · LossIntel™Report ID: LI-2026-00847 Date: March 28, 2026
Diminished Value Impact Report
Professional Appraisal — Third-Party Claim Documentation
MarketCheck Comparable Average (15 vehicles)$29,850
Mileage Adjustment−$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$29,900
Post-Accident Comparable Average (12 vehicles)$24,750
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 (5 of 15)
Vehicle
Miles
History
Sale Price
2022 Honda Accord Sport
24,100
Clean
$30,200
2022 Honda Accord Sport
27,800
Clean
$29,500
2022 Honda Accord Sport
31,200
Accident
$24,900
2022 Honda Accord Sport
26,500
Accident
$25,100
2022 Honda Accord Sport
29,000
Clean
$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.
MyFairClaim LLC · Licensed Insurance Adjuster · AZ Lic. •••••• Digital signature applied — March 28, 2026
↕ Scroll to preview · Full report delivered as PDF
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)
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
Page 1 of 3
↕ Scroll to preview · Full report delivered as PDF
The Claim Tools
Diminished Value Claim Tools — Step-by-Step Guides
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.
Claim Filing Guide
"They fixed the car. Not the history."
A step-by-step walkthrough that turns your appraisal into a filed, documented claim. Preview below; the full interactive guide unlocks at checkout.
1Understand Your Rights
✓ In most states you can recover diminished value from the at-fault insurer. The guide explains how your state treats third-party DV claims and what a typical filing window looks like.
2Assemble Your Evidence
Document checklist
• Your LossIntel™ and VehicleIntel™ reports • Final repair invoice and estimate • Photos of damage and completed repairs • Claim number and police/incident report • Policy declarations page
3Anchor Your Number
Lead with the MFC Enhanced figure from your appraisal, not the insurer’s 17c estimate. The guide shows how to present your number so the adjuster engages with your documentation instead of their formula.
4Send the Demand Letter
Sample language
“Enclosed is an independent appraisal establishing a diminished value of $4,750 following the repair of my 2022 Honda Accord. I am requesting payment of this amount under my third-party property-damage claim…”
You’ll walk away with an editable demand letter with your appraisal attached — ready to send today.
5Set the Clock & Follow Up
⚑ If the adjuster goes quiet or offers a fraction of your number, that’s a negotiating tactic, not a final answer. The guide gives you the exact follow-up cadence and the next escalation step.
↕ Scroll the guide · full version unlocked at checkout
Insurance Response Guide
"They have tactics. You have truth."
Adjusters have a playbook. So do you. The guide gives you the exact response for each move they make — written by licensed adjusters.
When they push back
Low offer
Counter with the exact response language that works, anchored to your appraisal’s comparable evidence. Includes the counter-offer script.
Denial
Know exactly what to say, what to request in writing, and what to file next when they deny the claim outright.
Stalling
The follow-up cadence and escalation steps for when they simply stop responding.
Counter-offer script
“Your offer of $1,196 reflects the 17c formula, not market reality. My appraisal documents $4,750 in diminished value from 15 comparable sales. Please review the enclosed evidence and revise your offer…”
Tactics to watch for
⚑ “We don’t pay diminished value in this state” — often untrue ⚑ Citing only the 17c formula as if it were law ⚑ Verbal-only offers with nothing in writing
↕ Scroll the guide · full version unlocked at checkout
Insurance Dispute Guide
"They denied. You escalate. They pay."
When negotiation stalls, you escalate on a documented path — each step raising the cost of denying a legitimate claim.
The Escalation Path
1Formal Demand Letter
A certified, deadline-bearing demand with your appraisal attached. Includes the template and what to put in writing.
2State DOI Complaint
How and where to file a Department of Insurance complaint — which puts a regulator on notice and frequently moves a stalled claim.
3Small Claims Court
A step-by-step on filing in small claims for amounts under your state’s limit, with your appraisal as the core exhibit.
When to escalate: the guide gives you the timing — how long to wait at each stage before moving to the next, so you keep pressure on without missing a deadline.
↕ Scroll the guide · full version unlocked at checkout
Start Your Claim
Ready to File Your Claim? Choose Your Plan.
Pick the tier that fits your claim and check out securely below. Your reports generate instantly; guide access is emailed right after checkout.
1 Choose Your Plan
After checkout you'll complete a short vehicle-details step — then your report is generated instantly and emailed to you.
2 Secure Checkout
🔒 Encrypted checkoutPowered by Stripe
Your secure checkout will load here.
⚡ Instant delivery after a quick step💵 Money-back guarantee✓ All major cards + Link + Cash App
Frequently Asked Questions
Diminished Value Claim FAQ
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™ documents the specific dollar amount your vehicle lost in market value and directly refutes the insurer's 17c formula. VehicleIntel™ 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 caps your claim at 10% of vehicle value then multiplies it down with arbitrary factors — producing around $1,196 on a $30,000 car. Our market-comparable method on the same vehicle produces $4,750 — documented with real sold-vehicle evidence. That $3,554 gap is yours to claim.
Yes — and it matters. Most states allow 2–3 years from the date of the accident to file a property damage claim. Once that window closes, your right to recover is permanently gone. The earlier you file, the easier your claim is to document and the better it typically settles.
Essential gives you the documentation. Professional gives you the demand letter and the step-by-step process — which is why most people choose it. Premium adds the response and dispute playbook for when the insurer pushes back, which is common on claims over $3,000. If the insurer has already made a low offer, go Professional or Premium.
No. You're filing a third-party claim against the at-fault driver's liability insurance — not your own policy. Your premiums, deductible, and claims history are completely unaffected. You have nothing to lose by filing and potentially thousands to recover.
The Insurer Has Already Run the Numbers. So Should You.
Every claim that isn't professionally documented is a claim that gets settled on the insurer's terms. Get your appraisal and put the real number on the table.
Hi! I'm the MyFairClaim support assistant. I can help you with questions about your reports, tools, tier differences, upgrades, and account access.📞 Prefer to talk? Call us: 1-877-503-3247What can I help you with today?
Have a question? I can help with reports, tools, and upgrades!
1
Free Estimate
Find out what your accident really cost you
Your vehicle lost value the moment it was in an accident — even after repairs. Get a free Diminished Value estimate and know what you're owed before you settle.
No spam. Unsubscribe anytime. By submitting you agree to receive emails from MyFairClaim.
✓
You're all set
Check your inbox — we're sending you everything you need to understand your claim's value.
We use essential cookies to run the Site and, with your permission, analytics and advertising cookies to improve our Services. See our Privacy Policy.
Global Privacy Control detected. We've automatically opted you out of analytics and advertising cookies based on your browser's privacy signal. Adjust the toggles below to override.
Customize by category
EssentialRequired for core Site functionality. Always on.
AnalyticsHelps us measure how the Site is used.
AdvertisingUsed for personalized ads and conversion tracking.
PersonalizationRemembers your preferences across visits.
You've been opted out of analytics and advertising cookies.
