Auto accident victims need answers now and if you’ve found this page, you’re certainly scouring the internet for answers!  You can stop searching now because we can answer ANY claims question you can throw at us whether it be about diminished value, total losses or another complex claims issue.

DIMINISHED VALUE

Has your car been wrecked and repaired? Was the wreck someone else’s fault? After you are put in an unfortunate situation like this, some argue the value of your car is the same after repairs. We all know the desirability of your wrecked and repaired vehicle is clearly different.

Diminished Value = Loss of Desirability

At Petty Details, we know how insurance claims work and the techniques that are used to successfully recover diminished value better than any other provider out there and we have helped recover diminished value all over the U.S.! We have local appraisers all over the country that help us help you, no matter where you are. There is no risk because you get a free claim consultation before the process is started to make sure your claim is worth your valuable time.

How do we stack up to other experts, you ask?

At Petty Details, our edge is experience! We know what makes a report credible and what is realistic on the market. Our reports reflect the most accurate estimation of diminished value available. Anywhere.

Since we help all kinds of customers with diminished value and have sat in the adjuster’s seat ourselves, we know all the valid arguments for and against diminished value.

diminished value guide

At Petty Details, our edge is that we hold 15 years of experience in the insurance industry and know what is happening on the inside. This is more than I can say for a lot of the companies that you may find by doing a Google search on diminished value claims (also known as a loss of value claim). I urge you, as the consumer, to make sure the diminished value company you use is credible. If your case ends up in front of a judge, then you need to have a credentialed professional to back up your technical evidence on your diminished value claim.

Petty Details, LLC prides itself on the specialized knowledge and training we have for successfully documenting diminished value claims. In addition to the quality and acceptability that comes from getting a report from a professional with previous experience in the insurance industry, we also pride ourselves on being unbeatable when it comes to price. We refuse to take any further advantage of insurance consumers and have priced our product at a point that makes it worthwhile for everyone involved.

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TOTAL LOSSES 

total loss claimTotal loss settlement disputes are common. The value of your vehicle is very important to you, but it may not be as important to your insurance company or the insurance company of that guy or gal that hit your car and totaled. No matter how your vehicle became a total loss, there are some options available to you that most don’t know about. They will help you to advocate for the best settlement on your total loss. The most common method of settling a dispute about the value of a vehicle is to employ the services of a non-interested professional. If the professional is truly non interested and an expert, then their opinion should be based upon accepted appraisal methodology and proper education, training and experience.

If your claim is against your own insurance company, then 99% of the time, if there is a dispute about the value of a claim, then you have the right to invoke the “appraisal clause”.

Here is a quote from a commonly used appraisal clause in personal auto policies:

 APPRAISAL

A. If we and you do not agree on the amount of loss, either may demand an appraisal of the loss.

In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. The appraisers will state separately the actual cash value and the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding.

Each party will:

1. Pay its chosen appraiser, and

2. Bear the expenses of the appraisal and umpire equally

 B. We do not waive any of our rights under this policy by agreeing to an appraisal.

Finding The Right Help

If your claim is against the insurance company of another person, then you can still get a professional appraisal to help with the negotiation of your claim, but you’ll have to present your evidence properly and there will be no appraisal clause language in effect, so it will really be important to present strong evidence to compel the insurance company to settle with you. Our reports will document every aspect of your vehicle’s fair market value and make the negotiation process easy.

Many insurance companies use a computer or a third party service to determine the value of your vehicle. Although these computers can sometimes get close to the fair market value, a close inspection of any of the reports will reveal that they do not use really comparable vehicles and they do not explain their methodology. Additionally, there is no appraiser’s signature on the report, so who is one to inquire with when there is a discrepancy or mistake?

In addition to professionally documenting your loss, we will also evaluate any documentation the insurance company has already provided you and tell you whether or not our services would be of value. Sometimes, we find that the insurance company has made a fair offer, believe it or not! Not all insurance companies are out to get you, but plenty are.

Can you tell the difference?

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