When a crash goes on your car’s history, buyers take note. Even after good repairs, most cars sell for less. That drop is diminished value. It is the gap between your car’s value before the crash and after repairs.

Below is a simple way to estimate your loss, better proof you can use, and how a lawyer can push the number higher.

The quick estimate many insurers use (17c)

Insurers often start with a shortcut called 17c. It is not California law. It is only a starting point.

How it works:

1. Find your car’s pre-accident value.
2. Take 10% of that number.
3. Apply a “damage factor” (0.00 to 1.00).
4. Apply a “mileage factor” (0.00 to 1.00).

Example:

Pre-accident value: $28,000

10% cap: $2,800

Moderate damage factor: 0.50 → $1,400

Mileage factor (about 40k miles): 0.60 → $840 estimated DV

Treat this as the floor, not the ceiling.

Better ways to calculate your diminished value

Use market proof. It speaks louder than a formula.

1) Market comparison

• Pull value ranges for your exact year, trim, and mileage.
• Save local listings for similar cars with clean histories.
• Note the price gap for cars with accidents on the report.

2) Independent appraisal

• Hire a local appraiser.
• Ask for a report with comps, repair review, and photos.
• Appraisals carry weight in negotiations.

3) Real offers

• Ask a dealer or wholesaler for a written offer.
• Get one for your car now and note the discount due to the accident.
• If possible, show clean-history comps for contrast.

Step-by-step checklist

1. Finish repairs. Save the invoice, parts list, and photos.
2. Collect values. Print guides and listings for pre- and post-accident value.
3. Run 17c. Use it to set a baseline.
4. Add proof. Include an appraisal and real offers when you can.
5. Show the stigma. Attach a vehicle history report that shows the accident.
6. Send your claim. Tell the at-fault insurer you are seeking diminished value.
7. Negotiate. Expect a low number at first. Use your proof to push it up.

Deadlines in California

Diminished value is a property damage claim. In most cases, you have three years from the date of the damage to file a lawsuit. If a government entity is involved, earlier claim rules may apply. Do not wait to start your claim.

How a Lawyer Can Raise Your Diminished Value

Evidence that lands

We gather the right comps, line up a clean appraisal, and secure written offers. Good proof moves adjusters.

Challenging the formula

We explain why 17c underprices your specific car. We point to trim, options, structural work, and the local market.

Bundling leverage

We pair DV with other property items, like loss of use or poor repairs. When it fits, we align DV with your injury claim to increase leverage.

Protecting timing

We track deadlines, handle claim traps, and file if needed. You keep your options open.

Local market focus

Chatsworth and nearby areas can price cars differently than statewide averages. We use local comps that reflect real buyer behavior.

Manoukian Law Firm helps drivers with diminished value and car accident claims across Chatsworth, Woodland Hills, Porter Ranch, Simi Valley, and Los Angeles. Start here: Car Accident in Chatsworth.

Quick FAQs

What is diminished value?

It is the drop in your car’s market price due to an accident, even after repairs.

Is 17c required in California?

No. It is only a starting point many insurers use.

How can I prove my loss?

Use comps, a local appraisal, a vehicle history report, and real dealer or trade-in offers.

How long do I have?

Most property damage claims in California allow three years to file suit. Start early to build proof.