Diminished Value Appraisal in
North Dakota
Get fast, accurate, and court-ready Diminished Value and Fair Market Value reports.
No guesswork, No delays. Trusted by insurers and legal professionals.
No credit card required.
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 North Dakota
Currently, North Dakota code N.D.C.C. § 32-03-09.1. prohibits diminished value compensation. Accident victims in North Dakota are limited to the cost of repairs and loss of use.
North Dakota diminished value law
North Dakota is not a diminished value recovery state. The governing statute, N.D.C.C. § 32-03-091, does not authorize compensation for diminished value when a claimant has elected to receive the cost of repair.
N.D.C.C. § 32-03-091
Section 32-03-091, North Dakota Century Code
Statutory Language: The measure of damages for injury to property is presumed to be the reasonable cost of necessary repairs and the reasonable value of loss of use, unless restoration is impracticable. In such cases, damages are based on the difference in market value before and after the injury, plus loss of use during replacement.
Loss of Use Exception: Restoration is deemed impracticable when costs and loss of use exceed the property’s post-injury market value reduction.
Statutory Recovery: The statute permits recovery for the cost of repair and loss of use, but not for diminished value when repairs are elected.
Sullivan v. Pulkrabek, 611 N.W.2d 162, 2000 ND 107 (2000)
North Dakota Supreme Court · No. 200000017
Filed: May 25, 2000
Precedential status: Precedential
Citations: 611 N.W.2d 162, 2000 ND 107
The court held that because the plaintiff received the full cost of repair under § 32-03-091, he could not also recover for diminished value. The statute allows either repair or market value loss recovery—but not both. Recovery for loss of use remains permitted.
How to file a diminished value claim in North Dakota
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.
North Dakota diminished value law
Statute of Limitations: 6 years
Third Party Diminished Value Claim: Yes
First Party Diminished Value Claim: No
Most insurance policies will exclude diminished value.
North Dakota Property Damage Minimum Limits: $25,000 in coverage
Uninsured Motorist Coverage for Diminished Value: No coverage
Underinsured Motorist Coverage for Diminished Value: No coverage
North Dakota Small Claims Court Limit: $15,000
Not appealable.
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.”
“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.”
“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”
“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."
“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.”
“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..”
Certified appraisal report in minutes.
Let us help you recover the true value of your car
Free Estimate, no credit card required.
