You don't have to take a loss

Collision Safety Consultants can help you recover what you are owed after a collision. Our team of certified appraisers can easily handle claims for the diminished value of Oklahoma vehicles.

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Diminished Value In Oklahoma

If your car was involved in a wreck and now has an accident history, your vehicle will likely reduce in value as a result.

Diminished value is a problem as many dealers will offer thousands less due to an accident listed on a Carfax report. If the damage is bad enough, many dealers may decline to accept your car in trade.

However, there is a way to help you recover the loss of value to your vehicle from the insurance company. If you were in a vehicle accident that was not your fault, the Collision Safety Consultants of Oklahoma team could help.

Diminished Value Claim

How Does A car Get Diminished Value?

Diminished value refers to the loss in value of the resale value of a car. The fact that a vehicle has been wrecked and repaired is the main difference in the lower value of a car. Even a vehicle that has been fixed at a reputable, certified shop with authorized original factory parts will have diminished value compared to an identical car that was never in an accident.

Diminished Value Calculator

After an accident, repairs should be made to the original manufacturer’s specifications. The quality of these repairs, as well as the severity of the damage, will influence your diminished value claim. Therefore, to help with our calculations, it is beneficial to attach a copy of the estimate of repairs. We will respond to you within 24 hours after receiving your request to discuss the estimated loss of value.

What is Diminished Value?

The Law

Diminished value is part of the Oklahoma Uniform Jury Instruction, and the statute of limitations in Oklahoma for a diminished value claim is two years. In other words, you have two years from the date of the accident to file your claim – so time is of the essence.

Auto Accident

Definition

Diminished value is the difference between the property’s fair market value immediately before being injured, and its market value after repairs have been or would be made. 

Simply, this means it is the difference in the value of your vehicle before and after the damage has been sustained.

Who can claim diminished value

If you were in an accident and not at fault within the last two years, you are entitled to make a diminished value claim from the insurance company.

When to file a diminished value claim

If you were involved in an accident where the other driver was at fault, you might file a diminished value claim so you can recover the difference in your vehicle’s value. In most cases, you cannot file a diminished value claim against your own insurance company, which means you should never attempt to file it if you are at fault in an accident.

It is usually best to file for a diminished claim with the at-fault party’s insurance company as soon as possible, preferably immediately after repairs are made. It is often easier to present your case (with the help of an expert’s supporting documentation) when you file quickly. The value of your vehicle will also decrease the longer you wait to file your claim.

In Oklahoma, you may file your diminished value claim within two years from the date the accident occurred.

Diminished Value Results

What is a diminished value insurance claim?

diminished value insurance claim is when you make a claim with the at-fault party’s insurance company to pay the difference between your car’s value before the accident and its value after being repaired. Newer Vehicles can easily amount two a claim worth several thousand dollars.

Things to consider when filing a diminsished value claim

Filing a diminished value claim may not be worth it for everyone depending on certain conditions. You may or may not receive a payout when filing a diminished value claim if you do not have a valid claim or if you fail to prove your loss.

A few things that should be considered:

  • Your vehicle’s value before the accident: If your car is older with high mileage or has past accident history, you may not receive a payout for diminished value.
  • Who was at fault?: If you caused the accident, then you will not be able to make a diminished value in Oklahoma.
  • If you are involved in an accident with an uninsured driver: If the driver was uninsured then you will not be able to collect diminished value from any insurance company. Your only option if hit by an uninsured driver is to file suit against the at-fault driver.
  • What state the accident occurred in: Every state has its own unique regulations and statutes regarding diminished value claims.

No Cost consultation and estimate

Contact us today to see how Collision Safety Consultants can help you.

Will the insurance company pay my diminished value claim?

You are entitled to an diminished value claim in Oklahoma as long as you were not at-fault. Oklahoma policy’s do not allow you to make a diminished value claim under your own policy. 

What if my car was repaired correctly?

Even if your car looks great, appears to be in excellent condition, and was repaired correctly, it will likely still suffer inherent diminished value in Oklahoma and other locations. There is a legal obligation to disclose that the vehicle was involved in an accident to potential buyers. However, buyers will not pay the same price for an undamaged vehicle compared to a vehicle with a reported accident history. 

A diminished value claim can help to recover the difference in value. The claim looks at the current value of your vehicle after being repaired from a damage-causing collision and contrasts it with what your car was worth before the accident. As trusted diminished value in Oklahoma appraisers, we can help you recover your vehicle’s loss of value.

What are the three types of diminished value?

  • Inherent diminished value -Refers to the vehicle’s resale value immediately after repairs from an accident. Even if the car was repaired back to factory specifications, the accident history decreases its value and limits its marketability to potential buyers. Inherent diminished value is the most common type of diminished value claim.
  • Repair-related diminished value – refers to substandard repairs on your car, which may further reduce your car’s value, such as substandard parts, improper fitment, refinish concerns, etc. This form of diminished value often falls at the responsibility of the repairer and reinforces the importance of finding a reputable collision shop.
  • Immediate diminished value – This type of claim refers to the resale value immediately after your car is involved in an accident before it gets repaired. 

What Our Clients say about us.

Janice Taylor
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Joshua at Collision Safety was very helpful in getting State Farm to pay deminished value on my car. They only ask for a down payment and they don’t ask for the remainder of their payment until you get paid from the insurance company and if they don’t get a diminished value payment for you they don’t charge you at all! Great customer service!
Don Jones
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Josh has helped me twice with in the last 8 months . The first time I had a new car for 6 days and was hit in the rear .the second time was 8 months later on the same car on a total loss and I was upside down on the car . Josh was a lot of help dealing with my insurance company and could not have done this without him . I highly recommend Joshua collision safety consultation of Okla. to everyone.
Alex Hollenkamp
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Great experience! Very professional and the response time was excellent to any questions or explanation to the process. I was very pleased with where we ended.
Nicole McCullum
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Mr. Josh Dorris was amazing! He's very knowledgeable, caring, helpful and just a all around awesome man! I really appreciate all the help
John Iasiello
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Josh did an excellent job. He took the work out of trying to fight the insurance company. They settle for the amount that he had promised, I'm very happy.
Sasha Steelmon
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I recommend Collision Safety Consultants, without a second thought. They helped me deal with the insurance company and stayed in contact with me through out the entire time. The customer service was 5 star, and they were able to get me a settlement I would not have been able to do on my own. I will use them again if the situation occurs. Thankfully they were honest and respectful the entire time. I appreciate the awesome customer service, and recommend to anyone.
Amber Dority
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100% amazing customer service!! Josh was amazing dealing with my parents with their truck and anytime I needed to help them do things! Will very HIGHLY recommend to ANYONE needing any help!! Thank you so much Josh for EVERYTHING you did to help them out!!
Shane West
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Very good customer service and will get the job done. Thanks you for your help.
Sally Donaldson
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Josh is outstanding! He is professional, determined, and is always on top of the situation. I highly recommend him to anyone interested in pursuing a diminished value claim
Talina Holman
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Josh was very helpful and kept me completely informed during the whole process. Would (and have) recommended him to everyone I know!
Sweet Cajun
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Mr. Josh Dorris was amazing! He's very knowledgeable, caring, helpful and just a all around awesome man! I really appreciate all the help
Sharon Doster
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I want to thank everyone at Collision Safety Consultants of Oklahoma for everything they did to help us get a settlement . And especially Joshua Dorris, he went above and beyond to help us out. He kept us informed the whole time. I highly recommend Josh Dorris. Thanks for your services, Bruce Doster
Kyle Pinkston
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Joshua Dorris is great! Everytime I had a question or email he was quick to respond. Couldn't of asked for a more respectful partner. Appreciate the help!!!
Shane Jopling
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Josh was great to work with on my property damage claim and very professional. I would highly recommend his services!
Tina Brinlee
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Josh helped me and my family get fair market value for our vehicle. My family and I really appreciate all the assistance
Kelly Kilmer
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Great experience! Appreciate all the help
Drew Guthrie
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Josh did a GREAT job for me. My insurance company was giving me the run around. Josh stepped in and put a stop to that. These guys really know what they are doing. If your insurance doesn’t wanna pay up or is playing games, give these guys a call they will get it settled for you.
Preston Ross
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Easy to communicate with and keeps you up to date on your claim regularly. No complaints at all on the service.
Mbilike Mwafulirwa
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I worked with Josh and his team recently and had an excellent experience. He was very knowledgeable about his subject area and responsive throughout from start to finish, from choosing the best repair vendor for my vehicle to navigating through my diminished value claim.
HCM Lemai
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I have great experience working with Josh to claim my car diminish value. He took care the entire process. He is very professional. Thank you!
Tina Parker
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I had a newer car when I was hit and knew that this possibly could hurt my resale value in the end. I got in touch with Josh and told him my concerns and he understood and said he would help me all he could. He went to work on it and continued to keep me informed. In the end Josh helped me to the point of feeling comfortable with the end results. Thank you Josh!!
Jorge Mejia
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Josh was great! He made the whole process easy as can be. He helped me every step of the way and always kept me in the loop. I challenged my insurance on the offer they made me for my total loss and with the help from Josh, he was able to get me an additional $5500. I never knew that your insurance could be challenged and I thought you always had to settle on their offer till meeting Josh. Josh, I really appreciate all your hard work and effort to help me out. I will, without a doubt recommend anyone that may be in my position in the future. Thank you!
Derek Brown
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Positive: Professionalism, Quality, Responsiveness, Value I would like to say that Joshua handled his business with me with excellence. From all of our phone calls, to answering all of my questions to me picking up a copy of the thorough report he prepared, he was honest, professional, friendly and willing to explain things I didn’t know about. I highly recommend him.
Ethan O'Neal
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Positive: Professionalism, Quality, Responsiveness, Value I recommend this company with the highest regards. Joshua Dorris was attentive, reassuring, helpful, and knowledgable throughout the entire process. He handled every aspect with the insurance company and was able to get me top-dollar for my depreciation after my wreck. I would recommend him and his company to anyone.
Manuel's Collision
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We trust Josh and the CSC company with all of our clients. They are trustworthy and caring when handling every situation. Great work Josh!
Riley Harpole
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Josh has been excellent in the handling of my claim. My situation was a bit out of the ordinary and he handled it with ease. He always answered my emails and calls promptly. I highly recommend him to anyone in need. Great job and thanks for all of your help!
Sweet Cajun
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Mr. Josh Dorris was amazing! He's very knowledgeable, caring, helpful and just a all around awesome man! I really appreciate all the help
Heather VanBuskirk
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Josh answered all my questions and got prompt results. So kind and professional. Great pleasure to work with. Worth every bit of money!
Steve McNutt
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Josh has all the qualities you want when you're looking for a company to do business with. My insurance company gave us a low-ball offer on our vehicle after it was determined a total loss. Josh came in and did a more accurate appraisal of the vehicle which ended up being a huge difference. He is professional, does high-quality work with fast turnaround times, and has high integrity.
muttwooden24
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I'm so thankful I was referred to Collision Safety Consultants. Josh was helpful in explaining things to me and informing the other party with my information. I hope not to need their services again but if I do you can guarantee that I will call them first.
Pepe Mendoza
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Josh is a go getter! Josh helped me in so many ways while i was dealing with the insurance people.josh will go far and beyond,trust me he will be on your side 100%,your insurance won't. My results were way more than what i expected. Don't be a victim,hire josh and let him help you with your collision needs,repairs, or total loss $$$.thank you so much josh!
Joseph Blazek
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Josh was great kept me updated any time I had a question he was quick to reply a response. Up front and honest about pricing highly recommended
Ron Wiesner
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Josh is excellent! Highly recommend!!!
Buck Vrazel
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Mr. Dorris got me a great deal! He talked me through the process and answered all my questions. My settlement was WAY HIGHER thanks to him. I will call these guys first from now on.
Denver Swearingin
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Mr. Dorris was very friendly, communicative and professional. He was able to help me get the maximum amount owed to me by my insurance company for my totaled vehicle. I am very pleased with my experience working with Josh and I wouldn’t recommend anyone else!
Rob Flory
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Josh was extremely knowledgeable and negotiated exactly what I wanted for my totaled vehicle in the midst of an extremely volatile market. Without his knowledge and experience I would have been left with a ridiculously low payout for my F350. Josh was consistently available and worked with me and the insurance adjuster to procure the fair market value for my vehicle. I could not be more pleased with his effort, attention to detail and ability to negotiate a settlement that was more than I expected. If you are unhappy with your insurance adjuster’s offer, do yourself a favor and get Josh on it.
Pate Hubbert
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Josh helped us get a $3000 increase in the valuation of our totaled vehicle. He was kind, professional, and kept us informed every step of the way, not to mention...he was more affordable than other appraisers. We wouldn't hesitate to use him again.
Kylie Easter
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Had a pickup stolen and evaluated by my insurance. Wasn’t satisfied with the evaluation and asked Josh to help. We discussed what he could do BEFORE he was hired. There were no promises or unrealistic evaluations. He was 100% fair and honest with me and my insurance company. The process was quick and easy with minimal effort on my part. Josh handled it. He charges a FLAT FEE for his work as apposed to a percentage of the gain. Even after his fee I still earned an additional 2k over my initial total loss estimate (on a 15k pickup!!!!).
Kylie Easter
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Had a pickup stolen and evaluated by my insurance. Wasn’t satisfied with the evaluation and asked Josh to help. We discussed what he could do BEFORE he was hired. There were no promises or unrealistic evaluations. He was 100% fair and honest with me and my insurance company. The process was quick and easy with minimal effort on my part. Josh handled it. He charges a FLAT FEE for his work as apposed to a percentage of the gain. Even after his fee I still earned an additional 2k over my initial total loss estimate (on a 15k pickup!!!!). Let Josh assist you in getting a more realistic evaluation of your loss.
Russ Iden
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Josh Dorris & Collision Safety Consultants of Oklahoma are well worth the investment! Josh was able to negotiate an additional $4,000 on our behalf on a totaled vehicle with our insurance carrier. He's also knowledgeable in helping consumers understand what their rights are when it comes to settlement on an auto claim. I'd definitely recommend Josh & his company if you want to get the full value of your coverage in an accident.
Rick B
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I contacted Collision Safety Consultants about helping file a diminished value claim. I had never heard of this. Joshua responded quickly, explained the process and provided options on how to proceed. Joshua was spot on and we were successful in our claim. Thank you for the help. I would highly recommend Joshua and Collision Safety Consultants. Thanks again.
JD
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Well worth hiring. Takes the headache away from fighting insurance companies. Had retail value of my car paid within a week of hiring Collision Safety Consultants.
Kim Martin
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I was having trouble settling with my insurance company and the value of my car. My car was totalled in a hail storm and my insurance company gave me an extremely low value. I went back and forth with them showing them other cars just like mine other than I had higher mileage and if they would just use that car and deduct the mileage it would be much easier than them trying to use out of state vehicles which didn't make sense. I hired collision safety consultants and spoke with Joshua Doris out of Tulsa. He handled the negotiation with my insurance and came to a great price. Super happy with his assistance!! I have already recommended and shared his info with a friend.
Blaze Moody
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I refused to let Root Insurance bully me, and I'm so thankful I didn't! They initially offered me $38,000 for a vehichle I'd paid $43,400 for merely 10 days prior to it being totaled by a deer jumping infront of me on the Turnpike omw to work! I was livid, as I'd put down $5,000 cash and would've lost it all! However, I decided to read my policy, and learned about my right to hire a personal appraiser, so I invoked my rights. I hired Joshua Lee Dorris with Collision Safety Oklahoma, and he went straight to work for me, not putting up with any of their bs! He fought them tooth and nail to get me the most out of my settlement, and he did an absolutely amazing job! He was very communicative, very confident, and very knowledgeable! I'm now walking away with more money than I started with, which to me is deserved since Root put me through so much, and even breached their own contract! If you're ever put in the same position, and your insurance company is trying to mistreat you, I strongly recommend you give him a call! He won't disappoint you, I promise! Overall, this has been one of the most stressful situations I've been in, but it all worked out to where I'm happy. 🤗🤑💪
Dwayne Bockelmann
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Josh Doris was a very awesome guy and walked me through everything that I needed done and you got everything done in a timely manner and got me more money than what my insurance company wanted to get me I suggest to use these people if you have any problems
Travis Fleming
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Josh is very professional, responsive and efficient. My insurance company attempted to settle with me on a low price. Josh was able to get me nearly $2,000 more than the insurance company’s offer. I would highly recommend Collision safety consultants of Oklahoma.
Lovey Greer
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Josh is very professional, responsive and efficient. My insurance company attempted to settle with me on a low price. Josh was able to get me nearly $2,000 more than the insurance company’s offer. I would highly recommend Collision safety consultants of Oklahoma.
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How to File a diminished value claim

Filing a diminished value claim can be more complex than collecting for the property damage portion of the claim. This is because the burden of proof in a diminished value claim is generally your responsibility.

If you are the at-fault driver, you will not be able to file a diminished value claim in Oklahoma. If the other driver is at fault, Oklahoma does entitle you to diminished value from their auto insurer.

The first step is to prove your vehicle’s value. If you attempt to prove your claim on your own or use a dealer’s opinion, then your claim will likely be denied. This is because you and the dealer have a potentially vested financial interest in the claim. 

You will need to document the car’s value from an established reputable source, such as Kelley Blue Book or NADA. Other common documents that are required in the claim process can include photos at the accident scene and documentation of the repairs made to the car following the accident. A police report is always helpful in overcoming any disputes of liability.

Next, you will need to prove your car’s diminished value. To do this, you will likely need to get the car appraised by a professional. Finding a reliable, certified appraiser is the key to filing a successful diminished value claim.

When filing the claim with the insurance company, make sure you satisfy all of the conditions for the claim, ensuring you have the best chance of receiving compensation for your loss.

It is important to note that state regulations also affect how diminished value claims are handled. Since every state has different statutes regarding insurance, researching state laws will better help you understand your rights regarding the diminished value of your vehicle.

The Diminished Value Process

How to make a diminished value claim.

Can the insurance company deny my diminished value claim?

Unfortunately, no matter how well you prove your diminished value claim and how much evidence you provide, the insurance company can still deny your claim. Filing fees and attorney fees are recoverable in Oklahoma, so the insurance company has every reason to settle your diminished value claim directly with you. However, you may file your claim in small claims or civil court.

Suppose the insurance company denies your diminished value claim for any reason. In that case, Collision Safety Consultants of Oklahoma can help you to retain an attorney to review your loss of value claim.

You Are Not Alone

Collision Safety Consultants can handle the entire process for you from beginning to end. We’ll reduce the stress and anxiety you might be feeling and help you get the result you want.

Other businesses may simply generate a report for you, but we contact the insurance company on your behalf and work with them to resolve your claim. There are no worries for you – we don’t expect you to have the time to handle the claim or the required knowledge about diminished value. It also means that we can ensure you are paid the full amount of loss. 

At Collision Safety Consultants, we can also access the finest legal experts in the state to help you if the insurance company tries to be unjust and unreasonable.

If you have any more questions about diminished value, please visit our FAQs page or contact us directly.

Is a diminished Value Claim Worth it?

Filing a diminished value claim is more complex than collecting the cost of repairs. Your vehicle is worth significantly less after an accident, even after being restored to its original condition, and filing a claim for the car’s diminished value could compensate for the significant financial loss in value. Damage to newer vehicles often results in thousands of dollars in depreciation.

Ready To File Your Claim Now?

If you are ready to begin your diminished value claim, please click the button below and attach your final repair estimate. A licensed diminished value in Oklahoma expert will get back to you on how much you could be owed for loss of value.

How Long does it take to settle a diminished value claim?

Diminished value claims usually take longer to settle than standard auto repair claims. Since these claims are more complex, they can often take weeks or even months to finalize. You may even need to hire an attorney to file your case to get the best results, further extending the process.

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