Auto Accident Diminished Value Claim Calculator
Estimate a vehicle diminished-value claim using pre-loss value and adjustable condition factors.
Last updated: November 5, 2026
Estimated diminished value
—
- Base value loss: —
- Combined adjustment factor: —
- Estimated post-repair value: —
On this page
Quick summary: Estimate a vehicle diminished-value claim using pre-loss value and adjustable condition factors.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate a vehicle diminished-value claim using pre-loss value and adjustable condition factors.
How to use it
Enter Vehicle pre-accident market value ($); Base damage severity (%); Mileage adjustment factor (%); Prior-history and condition factor (%); Repair quality factor (%). Select Calculate to update the results.
How the calculation works
The base loss is a percentage of pre-loss market value and is adjusted for mileage, history and repair quality.
Worked example: starting scenario
| Vehicle pre-accident market value ($) | 32000 |
|---|---|
| Base damage severity (%) | 10 |
| Mileage adjustment factor (%) | 70 |
| Prior-history and condition factor (%) | 90 |
| Repair quality factor (%) | 85 |
| Estimated diminished value | $1,713.60 |
|---|---|
| Base value loss | $3,200.00 |
| Combined adjustment factor | 53.55% |
| Estimated post-repair value | $30,286.40 |
Important limitations
Insurer formulas and state claim rules differ; an appraisal or comparable-sales analysis may be required.
The factors are entered assumptions, not a claim valuation
The page applies the selected percentage and adjustment factors to the entered pre-accident value. It does not inspect the vehicle, establish a market comparable or determine whether a claim is payable. Ask what evidence supports each factor before comparing scenarios. Repair cost, a settlement offer and the post-repair change in resale value are different quantities; inserting one as another would change the meaning of the result.