Proving your diminished value claim in Florida is a crucial step in recovering compensation for the loss in your vehicle’s market value after an accident. Under Florida diminished value law, you may be entitled to recover the difference between your car’s value before and after the collision—even if it has been fully repaired. The key is to establish that your vehicle suffered measurable loss and that the insurance company is liable for that diminished value.
The first step is to determine what type of diminished value claim applies to your situation—whether it’s inherent, repair-related, or immediate. In most cases, there is an inherent loss simply because the accident appears on your vehicle’s history report. However, some exceptions exist. If your vehicle had prior cosmetic or mechanical issues that were actually improved during repairs, or if the repairs increased its market value, you may not have a valid claim. These cases are rare, as older or heavily damaged vehicles are often considered total losses under Florida diminished value law.
To build a strong case, keep thorough repair records. Your receipts should include every detail: work performed, repairs recommended but declined by the insurer, and whether aftermarket or OEM parts were used. While these details alone don’t prove lost value, they provide vital evidence for evaluating your claim.
After repairs are complete, obtain professional appraisals to determine your vehicle’s current market value compared to its pre-accident value. This helps establish the amount of loss and supports your diminished value claim against the insurance company. Consulting an experienced diminished value claim lawyer can help ensure your rights are protected and that you recover the full compensation you deserve under Florida law.
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