We provide no cost Post Collision Repair Inspections to reassure you that your family’s vehicle has been repaired to pre-accident condition in regards to function, safety, appearance & value.
Are you sure that you & your loved ones are safe in
1) We will inspect your car and give our opinion on how much money the insurance company may owe you for your vehicle’s loss of value.
2) We can help show you how you can reduce your
personal property tax.
3) We can advise you on your diminished value appraisal.
4) We can assure you that your car was fixed according to the manufacturers specifications, verify the correct parts were used and give you our opinion, to whether your car is safe to drive.
5) If we find faulty or improper repairs, we will help you get your car fixed accurately and properly to ensure your safety!
When you are in an accident, your vehicle is supposed to be restored to it’s pre-accident condition but many times it is not, so make sure that you and your family are safe in the vehicle that you drive.
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Inherent Diminished Value:
The automatic loss in the vehicle market value from an accident and repair. It is based on public awareness that even if a vehicle is repaired to the best of human ability, it will still exhibit remaining deficiencies and inconsistencies from the pre-loss condition of the vehicle.
These deficiencies include, but are not limited to:
Repair Related Diminished Value:
This loss is based on remaining flaws and defects caused by improper repairs for which the shop had been asked, and paid, to complete. Poor repairs would cause the vehicle to be valued less than a properly repaired vehicle.
A few examples of repair related flaws and defects are as follows:
Keep in mind that even if there is “Repair Related Diminished value”, the insurer is still the only one contractually obligated to restore the vehicle to its pre-loss condition relevant to function, appearance, safety, and value, thus any “Repair Related” diminished value would still be the insurer’s responsibility. This area of coverage may fall under the “comprehensive”, or “Under Insured” sections of the insurance policy. If the insurer feels that they have sustained losses due to poor repairs, they have the duty to pay the remaining damages (perhaps under the comprehensive section of the policy), and the right to subrogate those losses directly against the at fault shop.
By following these correct and legal steps, the insurance industry would be sending a clear message to repairers that poor quality repairs and fraud are unacceptable.
Insurance Related Diminished Value:
This loss is based on remaining flaws, defects, and damage, which the insurer had neglected to address. When an insurer negotiates the settlement of an automobile damage claim, they will typically provide an estimate of repairs, which outlines all specific procedures, parts, and materials that they are willing to pay to the claimant or insured. This itemized listing of insurer authorized repairs will be generated by one of the following entities:
Under each of the above scenarios, the insurer is bound by law to the assessment and actions of the party the insurer hired to represent themselves. When the appraiser for the insurer (a, b, or c) prepares a damage assessments, or (d) where the insurer relies upon a third party, which overlooks, fails to specify, or refuses to address all repair procedures, parts, and materials required to restore the vehicle to its pre-loss condition, the insurer becomes responsible for “Insurance Related Diminished Value”. Since the insurer (and consumer) relies upon the skill and expertise of the insurer’s hired appraiser, it would be incumbent upon the insurer to select competent and skilled persons as appraisers so that by complete repair to pre-loss function, appearance, safety, and value, the insurer would have met their contractual obligations. Any failure to authorize all required procedures, parts, and materials to restore a vehicle to its pre-loss condition must be caused by one of the following:
When there is remaining flaws, defects, or damage on the vehicle, and repair procedures were not specifically listed on the itemized insurance authorized repairs, the result would be “Insurance Related Diminished Value”. Additionally, when the insurer specifies imitation parts, which are NOT EQUAL TO, OR BETTER THAN the Original Equipment Manufacturer parts, the insurer would also be responsible for the Diminished Value caused by the inferior parts they specified.
Adapted from material from WCCSC resources
We are an independent unbiased vehicle damage appraisers and inspectors specializing in the are of vehicle diminished value ,total loss vehicle assessments and pre-purchase and post collision repair inspections.
Collision Safety Consultants of PA your affordable Diminished Value , Total Loss Valuation and Post Collision inspections. We will work for you and do all the dealing with your auto insurance company and thier car repair estimator .This information listed below hopefully, will help you understand diminished value better.
Remember we are always here to help you and answer any questions that you may have.
Did the insurance company say your vehicle is a Total Loss?
When your car, light truck or SUV is determined to be a total loss, it is not unusual that the insurance company may make you an initial offer that is below the actual fair market value of your vehicle
In fact, one vehicle value source used by many insurance company to set the value of totaled vehicle has been the subject of several class action law suits as well as state insurance regulators. Click this link to see a 2010 TV news story In Georgia about totaled cars and CCC Information Services.
There are many factors that determine the true market value of a vehicle. The vehicle’s year, make, model, color, options, mileage, condition, and geographical location are all factors that could influence a particular vehicle’s value. As expert appraisers we know how to determine your vehicle’s actual fair market value.