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Auto Dealer Quotes & Diminished Value – The Solution

auto dealer quotes

If you are attempting to recover damages as a result of diminished value, you will undoubtedly be required to prove your loss.

This can be very difficult for the average accident victim. Can you just call around and get auto dealer quotes to prove your loss?  Knowledge of the proper methodologies and form for presenting valid supporting data eludes most laymen. As a former licensed adjuster and current owner of a claim services company, I can attest to how hard it is to document diminished value in a credible manner.

Spill The Beans!  How Do I Prove My Diminished Value?

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Has Attorney Montie Day Changed California Diminished Value Law?

California diminished value law

In the small world of automobile claims, there’s new buzz surrounding California Diminished Value law and the recent changes in California Jury Instructions regarding property damage to automobiles.

The changes came in response to one attorney’s relentless pursuit of justice. Attorney Montie S. Day refused to sit idly by when he realized California insurance carriers and their adjusters were using language in official jury instructions to try and make accident victims believe they could not legally recover lost value damages.  Specifically, we’re talking about inherent lost market value to automobiles, or as it is more commonly known, diminished value or simply DV.  Market surveys and sales prove that damaged and repaired vehicles are generally less desirable (thus, less valuable) on the resale market than identical vehicles that have never been damaged and repaired.

What’s interesting here is that big changes are expected, yet there is no new California Diminished Value law.  What the insightful Mr. Day attacked was not improper law (jury instructions are not law, and the law in California already recognized the right of a victim to recover inherent lost value aka diminished value).  Instead he realized insurance carriers were using language in the jury instructions to mislead accident victims and imply that the law in California would not allow recovery of inherent diminished value, so he attacked and exposed that unfair and misleading tactic.

CLICK HERE TO FIND OUT WHAT HAS CHANGED

How The Amount Of The Repair Bill Affects Diminished Value

how repair bill affects diminished value

Severity of Damage and Inherent Diminished Value

In a professional forum for diminished value providers, we had a member inquire about how the amount of the repair bill affects the diminished value (inherent) of a vehicle. It is my experience that the amount of damages is an imperative factor to have in order to accurately assess diminished value.

Let’s dig right into the details…

Click for the Truth About How The Repair Bill Affects Diminished Value

Collision Repair – 7 Things You Need to Know

auto collision repair

Worried about your collision repair after an auto accident?

You ought to be.

In nearly 15 years as an adjuster, I have seen some doozies when it comes to collision repair.

Not all shops are crooks, but body shops, like any other business, are in business to make money. Most people are not experts on collision repair, and body shops know this. Taking your car to a body shop is sort of like going to the doctor or hiring an attorney. You kind of have to trust what the doctor or lawyer says because they are specially trained. It is the same for a body shop, you kind of have to trust what they tell you because they are specially trained.

CLICK HERE TO READ MORE ABOUT PICKING A SHOP

Auto Accident: Third Party Claim and Myths About Adjusters

third party claim

What is a third party claim and what do you need to know?

Anytime you’re involved in an auto accident and it was not your fault, you potentially have a third party claim.

If the at fault party has liability insurance, then when you file a claim with their insurance company and you have a third party claim. I have read quite a few articles that give a lot of bad information about adjusters. The thing I have noticed about those articles is that none of them were written by an insurance adjuster! I’d be willing to bet that if you have not been an insurance adjuster, then you believe insurance adjusters are almost as bad as used car salesmen or attorneys, hehehe. It is a common view. I can’t speak for every single insurance claims office out there, but I can say that I have worked for 5 different non-standard companies as an adjuster, and I have worked on contract for many standard companies as a recovery specialist with a firm.

I have never been instructed to deny any valid claim, nor have I been advised to “low-ball” claimants. This might happen at some companies, but it is definitely not the norm. Insurance adjusters (if they care about their license) will usually try very hard to fairly resolve claims. I will say that I have definitely dealt with some companies that have some “questionable” practices. I won’t name names, but some of these companies simply attempt to cut costs by hiring inexperienced adjusters and giving them a “rule-book”. It is the inexperience of the adjuster in interpreting the “rules” that causes the majority of the issues.

FIND OUT THE UNWRITTEN RULE AND MORE – CLICK HERE!

Soft Tissue Injury – Calculate the Value!

soft tissue injury

Neck and back sore? You might have a soft tissue injury.

If you have been involved in an auto accident, the chances are you may suffer some discomfort and pain in your neck and back. If you don’t have a severe injury, then what is most likely is that you have what they call a ” soft tissue injury “. Essentially, the physics involved with two vehicles colliding is what has caused this. Inertia, you know? A soft tissue injury is hard to detect with conventional medical equipment. X-rays will not show a muscle sprain or strain. This is the problem with a soft tissue injury, it is hard to document. So, if you have a one, then what is the pain and suffering worth?

Read more

Get Expert Advice on your total loss with our total loss ebook!

Fight with our expert advice on your total loss!

expert advice on your total loss ebookSo the insurance company has decided to total your vehicle and they sent you a computer generated valuation report with an offer that seems WAY TOO LOW!  Unfortunately, that is the norm and not the exception when dealing with a total loss auto claim.  We have this conversation with people DAILY and have now taken the time to compile our best expert advice on your total loss in this book called “Fight For Your Total Loss!  Issues with Insurance Company Total Loss Valuation Reports” so you know how it works from the inside when negotiating your total loss offer.  Use these tools and expert advice on your total loss to get the adjuster to re-evaluate their valuation and get closer to a number that is fair.  We don’t give legal advice but we will surely shed some light on your total loss claim and how to get the best settlement after an auto accident.

Get expert advice on your total loss for the low price of $9.95 and make the most of your claim!

Find answers to these issues and information on:

  • Formal Appraisals – what constitutes a formal appraisal?

  • Biased reports – Find out how to fight against the “hired hands” at the insurance company

  • Mileage Adjustments – Argue against bogus mileage adjustments

  • Comparable vehicles – They usually aren’t “comparable”

  • List vs. Take price – What you need to know

  • Options Adjustments – How they nickel and dime you and how to play the game

  • First party / Appraisal Clause Invocation – Is your total loss claim against your own insurance company?  Rights you have in that situation are explained.

The expert advice on your total loss that we share in this ebook has proven to be successful over and over again and since our mission is to provide you with a value you can’t find anywhere else, we know teaching you these insider tips will help you get the most out of your total loss settlement and get you on your way to moving on with your life!

Remember, total losses are always a negotiation and you have to have the right arguments in your pocket to make the most out of a disaster like having your car totaled and fight until you have a check that is fair.  We’ll help you do that by sharing all the tricks of the trade so you don’t get taken advantage of when trying to get your total loss settled.

Click here to get your copy today!

Total Loss Settlement Tips

total loss settlement fightTOTAL LOSS SETTLEMENT TIPS

What should you do when you are dealing with a total loss?  We get so many questions every day from people involved in an accident where their vehicle was totaled and they are now getting a low offer from the insurance company and just don’t know what to do next.  We always tell them that it is always a negotiation and that they have to fight and prove their points with the information we are revealing below today!  We put together some total loss settlement tips to get you moving in the right direction on your auto claim.

CLICK FOR OUR BEST TOTAL LOSS TIPS

Auto Accidents – Critical Thinking

license plates

What To Do After An Auto Accident

Advice on Dealing with an Auto Insurance Claim

Most of us will be involved in an auto accident within our lifetimes. This means that we are likely to have a claim with an insurance company; either our own insurance company or someone else’s insurance company. After over 17 years of experience in the field of insurance (most as a claims adjuster), I have come to realize that the majority of the public just doesn’t get it (the claims process, that is).

Additionally, I also believe that the majority of auto claims adjusters don’t get it. When I first began to speak with people about insurance claims over 17 years ago, the problem was not so apparent, but as more attorneys and less experienced adjusters come on the market, claimants get fed a lot of misinformation. Just search the internet for auto accident claims help or some similar string of search words and you will quickly become confused on how to best approach getting a fair settlement on your insurance claim. In my own opinion, the best approach is the simplest approach. As the title of this article indicates, critical thinking is the key to a successful claim negotiation. As an adjuster who has handled almost every type of claim imaginable, I will attempt to give some pointers on critical thinking that we should all remember when we are dealing with a claim, adjusters and claimants alike.

GET MY 6 TIPS FOR CRITICAL CLAIM THINKING!

3 Biggest Arguments Against Inherent Diminished Value Dispelled

diminished value claim denials

How The Insurance Company Is Lying To You

The vast majority of insurance adjusters have had no formal training in valuation appraisals.   The unfortunate fact of the matter is that insurance adjusters work for an insurance company and are forced to work within the policies of the company they work for.

Unfortunately, insurance companies train employees and adjusters to deny diminished value claims, even if the evidence is overwhelming.  It is such a rampant practice that they even provide adjusters with several arguments to use and most companies provide form letters that make silly arguments about why they won’t pay for diminished value.  Here are the three most common arguments carriers use against diminished value and the breakdown of why they are not valid defenses to inherent lost market value claims.

SEE THE ARGUMENTS AGAINST DIMINISHED VALUE