myfairclaim.com

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.
Get My Reports $49.99 — Delivered within 48 hours
⭐ Most Popular
Professional
$149.99
Both reports plus your demand letter, generated step by step. The complete package most people need.
  • Everything in Essential
  • Claim Filing Guide — interactive tool
  • Demand letter generated for you
  • Adjuster-written walkthrough
  • 90-day tool access + priority support
Drivers with a professional demand letter recover 3–5× more than those who file without one.
File My Claim with Confidence $149.99 — Delivered within 48 hours
🛡 Maximum Recovery
Premium
$249.99
Every tool from first filing through formal dispute escalation. For claims that deserve a real fight.
  • Everything in Professional
  • Insurance Response Guide (IRG)
  • Insurance Dispute Guide (IDG)
  • DOI complaint & small claims guidance
  • 90-day tool access
The insurer has a process. The Premium suite gives you theirs.
Get the Full Adjuster Suite $249.99 — Delivered within 48 hours
⭐ 4,500+ claims documented
⚖️ Licensed insurance adjusters
📋 Court-admissible reports
1 Your Selection
Professional $149.99
Both reports + demand letter + Claim Filing Guide
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✅ All 50 States
📋 Court-Admissible Reports
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The Numbers Don't Lie

The Same Vehicle. Two Very Different Numbers.

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
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−$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)
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.

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
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)
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."
Step 1 — Understanding Your Rights
✓ Most states give you 2–3 years from date of loss. Claims filed with professional documentation settle significantly better.
What you'll walk away with: A demand letter with your appraisal attached — ready to send to the insurer today.
🔒
Claim Filing Guide
10-step walkthrough · Professional Tier
Unlock at Professional →
Insurance Response Guide
"They have tactics. You have truth."
When they push back
Low offer
Counter with the exact response language that works — written by licensed adjusters.
Denial
Know exactly what to say and what to file next.
Stalling
Escalation steps when they stop responding.
🔒
Insurance Response Guide
Counter-strategies · Premium Tier
Unlock at Premium →
Insurance Dispute Guide
"They denied. You escalate. They pay."
The Escalation Path
1
Formal Demand Letter — with appraisal attached
2
State DOI Complaint — puts regulators on notice
3
Small Claims Court — for claims under $10,000
🔒
Insurance Dispute Guide
Formal escalation · Premium Tier
Unlock at Premium →
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.

Additional resources:

Appraisal Clause Guide Estimate Review DV Articles & Guides Free estimate calculator

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.

File My Claim — $149.99 Start with Essential — $49.99

Ready to file your claim?

Get the professional appraisal, demand letter, and Claim Filing Guide — everything you need to demand a fair settlement, all delivered instantly.

Call 1-877-503-3247 Order Professional — $149.99