CAN I STILL CLAIM DIMINISHED VALUE?

If somebody wrecked your car in the last few years, were you compensated for your car’s diminished value? The statutes of limitations for filing automobile diminished value claims vary by state. It is possible to collect diminished value on an older claim if it falls within the statute of limitations for filing in your state.

Statutes of Limitation for Property Damage by State

Alabama 6
Alaska 6
Arizona 2
Arkansas 3
California 3
Colorado 3
Connecticut 2
Delaware 2
District of Columbia 3
Florida 4
Georgia 4
Hawaii 2
Idaho 3
Illinois 5
Indiana 2
Iowa 5
Kansas 2
Kentucky 2
Louisiana 1
Maine 6
Maryland 3
Massachusetts 3
Michigan 3
Minnesota 6
Mississippi 3
Missouri 5
Montana 2
Nebraska 4
Nevada 3
New Hampshire 3
New Jersey 6
New Mexico 4
New York 3
North Carolina 3
North Dakota 6
Ohio 4
Oklahoma 2
Oregon 6
Pennsylvania 2
Rhode Island 10
South Carolina 3
South Dakota 6
Tennessee 3
Texas 2
Utah 3
Vermont 3
Virginia 5
Washington 3
West Virginia 2
Wisconsin 6
Wyoming 4

Insurance companies may try to deny older diminished value claims, even if they are filed within the statute of limitations. This could be due to factors such as lack of timely notice, difficulty verifying the extent of the diminished value after significant time has passed, or arguments that the damage might have worsened due to subsequent events.

To counter these challenges, having strong documentation, like an appraisal report and evidence linking the claim to the original incident, can improve your chances of a successful claim.

If you believe an insurance company unfairly denied your claim, you can file a complaint with your state’s insurance department. Most state insurance departments oversee and regulate insurance practices to ensure compliance with state laws and protect consumers. When filing a complaint, include all supporting documentation, such as correspondence with the insurer, your policy details, and evidence of the claim’s validity.

The department will review your case and may mediate or investigate the insurer’s actions. Check your state’s insurance department website for specific instructions.

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