Arizona - SnapClaim

Diminished Value Appraisal in
Arizona

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Recover What Insurance Owes You After an Accident

SnapClaim makes it easy to recover your car’s lost value after an accident. We provide a free estimate, a fully certified appraisal report, and a ready-to-send demand letter — all within minutes. No guesswork, no waiting.

“I had no idea my car had lost that much value after the crash. SnapClaim gave me everything I needed to file the diminished value claim — I got the report in less than an hour.”

Mark

Vehicle Owner, Colorado

Filing A Diminished Value Claim In Arizona

Were you in an auto accident in Arizona that wasn’t your fault? If so, you’re eligible to file a diminished value claim. After a vehicle has been damaged, it immediately loses value. Repairs can restore a portion of the lost value, but even the best repairs won’t bring it back to full value. The remaining loss in value, however, is not totally lost. Known as diminished value, it is recoverable when you take the right steps.

Arizona diminished value law

The Arizona courts recognize diminished value as a compensable loss, even when a vehicle is repaired. The legal precedent affirms that compensation may include both repair costs and any residual loss in market value after repairs. Arizona courts have clarified that a vehicle owner does not need to sell their vehicle to prove diminished value, and expert appraisals may be used to determine pre- and post-repair market value.

Farmers Ins. Co. of Arizona v. R.B.L. Inv. Co., 138 Ariz. 562 (Ariz. Ct. App. 1983)
Court of Appeals of Arizona
Filed: 1983
Precedential status: Precedential
Citations: 138 Ariz. 562, 564; 675 P.2d 1381, 1383

The court agreed with other jurisdictions that the proper measure of damages for a negligently damaged vehicle may include both the cost of repairs and any provable residual diminution in fair market value.

Oliver v. Henry, No. 1 CA–CV 10–0701 (Ariz. Ct. App. 2011)
Court of Appeals of Arizona, Division 1, Department E
Decided: July 28, 2011
Precedential status: Precedential
Citations: 613 Ariz. Adv. Rep. 31

The Arizona Court of Appeals held that the measure of damages for injury to personal property includes the difference in value before and after the damage. If repairs are made, the measure also includes any remaining loss in value and loss of use. The court further ruled that owners are not required to sell or transfer the vehicle to prove loss; instead, loss in value may be demonstrated through expert appraisal or other competent evidence.

How to file a diminished value claim in Arizona

Step 1. Get a free estimate. Start by checking if your vehicle qualifies for a diminished value claim. SnapClaim provides a fast, no-cost estimate to help you understand your potential recovery.

Step 2. Order your certified appraisal report. If eligible, SnapClaim will generate a professional, independent diminished value appraisal—often in minutes. This report is formatted for insurance use and backed by industry data.

Step 3. Submit your claim. Along with your appraisal, SnapClaim provides a pre-filled demand letter to send to the at-fault driver’s insurance company. This makes it easy to start the claims process without a lawyer.

Step 4. Settle your claim. Most insurers will respond with a settlement offer. You can choose to accept, negotiate, or escalate the claim. If needed, SnapClaim can help you provide documentation to support further action.

SnapClaim is designed to help you recover fair compensation with less stress, faster turnaround, and no upfront legal fees.

Money-back guarantee: If your final insurance recovery is under $1,000, SnapClaim will refund 100% of your appraisal fee. We only succeed when you do.

Arizona diminished value law

Statute of Limitations: 2 years from the date of loss

Third Party Diminished Value Claim: Yes

First Party Diminished Value Claim: No

if you caused the accident, you aren’t eligible

Arizona Property Damage Minimum Limits: $15,000 in coverage

Uninsured Motorist Coverage for Diminished Value: No coverage

Underinsured Motorist Coverage for Diminished Value: No coverage

Arizona Small Claims Court Limit: $5000

for torts, attorney representation and appeals are permitted

Testomonials

See what ourclientsare sharing about us!

“I didn’t know about diminished value until I found SnapClaim. Their report was done in minutes, and the support team explained everything clearly. I used the letter they provided and ended up with an extra $3,200. Super easy.”

Sarah D.

“SnapClaim helped me file a diminished value claim after repairs. The process was smooth, fast, and I received more money than expected. Their team handled everything so I could focus on getting my car and life back to normal.”

Emily R.

“I uploaded my repair estimate and got a professional report the same day. SnapClaim made everything so simple. Their platform saved me hours of back-and-forth with insurance and got me a solid payout”

Jason T.

“After my car was totaled, SnapClaim gave me a fair market value report that clearly beat the insurance offer. I submitted it with my claim and they increased the payout. The process was fast, fair, and worth every penny."

Omar L.

“SnapClaim made a huge difference for me. I had no clue how to value my vehicle post-accident. Their diminished value report was detailed, with comps and expert review. I sent it in and got a great settlement in less than a week. Truly amazing.”

Pria S.

“SnapClaim is a game-changer. I used their fair market value report after a total loss, and it helped me negotiate a much better offer. The design, speed, and clarity of the report made a real difference with my adjuster..”

Aisha N.

Frequently asked questions:

What is a Diminished Value (DV) claim?

Diminished Value is the loss in market value a vehicle suffers after an accident, even after repairs. If your car has been in an accident caused by someone else, you may be entitled to compensation for this loss.
What is a Fair Market Value (FMV) report?

A Fair Market Value report estimates your vehicle’s current value based on verified market data. It’s commonly used for insurance negotiations, resale, legal cases, and total loss disputes.
What do I need to get started?

You’ll need your VIN number, mileage, repair document (if applicable), and your contact information. We’ll guide you step by step through the process.
What is your refund policy?

If you recover less than $1000 from your claim using our report, we offer a full refund of the report cost—no questions asked. Terms and conditions apply.