What market value may still be missing after repair?

A transparent range built from your supplied vehicle value, documented damage, and editable percentage assumptions. The arithmetic is visible so the uncertainty stays visible too.

How to read the range

The number is only as good as the record

The default percentages are labeled assumptions, not industry data. Replace them when you have a qualified valuation, comparable market evidence, or a better documented view of the damage.

How long is the filing window? What should I document first?

Vehicle year

Make and model

Use the vehicle you are deciding about. This field is not sent or saved.

Current approximate mileage

Mileage helps describe the vehicle; the arithmetic uses the value you supply.

Purchase price or current market value

Use your own purchase price or current market evidence. No lookup is performed.

Damaged panels

Count the panels with documented accident damage.

State

Used for legal context and guide links, not a hidden percentage.

Damage severity

Choose the description that best matches the documented repair.

Minor cosmetic — surface-level repair with no structural involvement Moderate — visible repair across a larger area or multiple panels Structural involvement — structure, frame, or safety system involvement is documented

Editable model assumptions ASSUMPTION

These percentages are illustrative presets, not industry statistics. Change them to reflect your own evidence or a qualified valuation opinion.

Low loss assumption (%)

High loss assumption (%)

Title status

Clean title Branded title

The model reports this as context but does not add a hidden penalty. Title history can change the market outcome beyond this simplified estimate.

Runs in this browser only. Nothing is stored or transmitted.

Your modeled result

Complete the fields to see the estimate

Waiting for inputs

Use your own facts and assumptions. The result will compare them transparently; it will not predict an insurer’s decision.

Estimated loss range

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Calculation inputs

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Read this before relying on the range

State and title context will appear after you calculate.

Diminished-value filing window →State guide →

How this estimate works

The diminished-value model starts with your supplied market value, applies the low and high percentage assumptions shown in the form, and multiplies them by a visible panel-count factor. The default percentage ranges are illustrative presets selected for the severity label; they are not industry statistics or a promise of market behavior. You can edit both percentages.

The title status and state are shown as context. The model does not apply a hidden branded-title penalty or a state-specific percentage because those effects are fact-specific and market-specific. A branded title can materially change the result outside this simplified arithmetic.

It does not account for comparable listings, local demand, vehicle options, repair quality, prior damage, title history beyond your selection, appraisal evidence, policy language, or the legal availability of a first-party claim.

Context and next step

Texas Department of Insurance Bulletin B-0027-00 states an insurer is not obligated to pay first-party diminished value when the vehicle has been completely repaired to its pre-damage condition. Missouri appellate decisions Camden v. State Farm, Spellman v. Sentry, and Lupo v. Shelter hold similarly when the insurer elects to repair and the repairs restore the vehicle.

Read the filing-window answer →Open a state guide →Meet the author →