Diminished Value Appraisal

Independent, evidence-based post-accident value loss reports

Even after a proper repair, a vehicle with accident history is typically worth less than an equivalent vehicle that was never in a collision — buyers pay less for a car with a reported accident on its history, full stop. This gap is called diminished value, and it can come from the accident stigma itself, or from the quality of the repair.

Get Appraisal prepares independent, documented diminished value reports comparing your vehicle's estimated pre-accident value to its current post-repair value — evidence you can use when discussing your situation with your insurer or broker.

Important context for Ontario drivers: Ontario's auto insurance system places real limits on recovering diminished value, and in many cases you cannot sue an at-fault driver directly for it. A diminished value appraisal documents the value your vehicle lost — it does not guarantee compensation, and it isn't legal advice. We recommend discussing your specific situation with your insurance broker or a lawyer alongside your appraisal report.

When you need this appraisal

  • Your vehicle was repaired after an accident and you want to document the value it lost.
  • You're disputing a total-loss settlement offer that you believe undervalues your pre-accident vehicle.
  • You're planning to sell or trade a previously-repaired vehicle and want a defensible, documented value.
  • Your accident or claim involves an out-of-province insurer, an uninsured/underinsured motorist situation, or other circumstances where value documentation may support your case.

What's included

  • Estimated pre-accident market value based on comparable vehicles
  • Post-repair value assessment based on current condition, photos, and repair records
  • A documented methodology explaining how the diminished value figure was reached
  • A written report suitable for sharing with your insurer, broker, or legal counsel
What to have ready: your repair estimate or invoice, the accident date, your insurance claim number (if applicable), and current photos of the vehicle. Before/after photos, if you have them, help strengthen the report.
FAQ

Questions about Diminished Value Appraisal

Can I sue the at-fault driver for diminished value in Ontario?
Generally, no — Ontario's no-fault insurance system restricts lawsuits against at-fault drivers for this type of loss in most circumstances. This is exactly why we recommend reviewing your options with your broker or a lawyer alongside your appraisal report, since the right path depends on your policy and the specifics of your claim.
Will my insurance company automatically pay diminished value?
Not automatically. A documented, independent appraisal gives you evidence to raise with your insurer, but whether — and how — it factors into any payout depends on your policy and the circumstances.
How is pre-accident value estimated after the fact?
We use the vehicle's specifications, mileage at the time of the accident, condition prior to the collision, and comparable vehicle sales from that period to estimate what it was reasonably worth immediately before the accident.
Do you handle total loss dispute appraisals too?
Yes. If you believe an insurer's total-loss settlement offer undervalues your vehicle, we can prepare an independent valuation you can use to support a dispute.
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Get your diminished value appraisal started

Submit your vehicle details and photos online — most quotes are confirmed the same day.