Last updated: August 18, 2025

Diminished Value & Total Loss Auto Appraisals in Maryland: What You Need to Know

Maryland drivers can recover losses for both diminished value (DV) and fair market value (FMV) claims after a car accident. Whether your vehicle was repaired or declared a total loss, state law allows you to pursue compensation for its true pre-accident value. This page explains how Maryland diminished value appraisals and total loss auto appraisals work, what laws apply, key filing steps, and how a professional SnapClaim report can help you negotiate a fair insurance settlement. For city-specific information, visit our Maryland Diminished Value Appraisal page.

Does Maryland Allow Diminished Value and Total Loss Claims?

Diminished Value (DV)

Yes. Maryland recognizes diminished value claims for not-at-fault drivers when the loss in market value after repairs can be proven. Courts have upheld DV recovery based on credible appraisal evidence showing the difference between pre-accident and post-repair market value. There is no specific Maryland DV statute, but claims are permitted under general property damage law when supported by expert valuation and repair documentation.

Fair Market Value / Total Loss (FMV)

Yes. When repair costs exceed your vehicle’s actual cash value, Maryland insurers must settle based on its fair market value before the accident. If the insurer’s offer seems low, you can request an independent Fair Market Value Appraisal using verified Maryland market data and comparable dealer listings.

Key Maryland Laws & Regulations

• DV recognition: Allowed under Maryland tort law for not-at-fault property damage claims.
• FMV requirement: COMAR 31.15.12.03 — insurers must use comparable vehicles in Maryland to determine actual cash value.
• Statute of limitations: Md. Code, Cts. & Jud. Proc. § 5-101 — 3 years for property damage, including DV and FMV claims.
• Comparative negligence: Maryland follows a contributory negligence rule — you must be 0% at fault to recover diminished value.
• Small claims: Maryland District Courts handle claims up to $5,000 (Maryland Judiciary).
• Insurance complaints: File with the Maryland Insurance Administration.

What You Should Document

• Accident or police report: Obtain from the Maryland State Police or local department.
• Repair invoices and supplements: Include parts lists, calibration data, and shop photos.
• Vehicle photos: Before and after repairs, showing VIN and mileage.
• Comparable sales data: Maryland dealership and private listings from cities like Baltimore, Columbia, Silver Spring, Frederick, and Rockville.
• Certified Diminished Value or FMV Appraisal from SnapClaim.

Step-by-Step Claim Process

1. Confirm your claim type: Diminished Value (DV) for repaired vehicles or Fair Market Value (FMV) for total loss.
2. Gather documentation: Collect police report, repair invoices, and vehicle photos.
3. Order a professional appraisal: SnapClaim reports use verified Maryland comparables and USPAP-compliant valuation methods.
4. Submit a demand letter: Include your appraisal and cite Md. Code § 5-101 (3-year statute of limitations) to support your claim.
5. Negotiate or escalate: If the insurer undervalues your claim, use your report to request arbitration or pursue a small claims case.

Why a Professional Maryland Auto Appraisal Matters

Insurers often rely on broad valuation systems that miss local Maryland market differences. A SnapClaim Diminished Value Appraisal or Fair Market Value Appraisal uses verified regional data and certified methodologies accepted by insurers and Maryland courts. Every report is insurer-ready, court-defensible, and backed by our Money-Back Guarantee.

Ready to Claim Your Vehicle’s True Value?

Start with a free estimate — no credit card required. SnapClaim is Maryland’s trusted auto appraisal company for diminished value and total loss claims — combining certified appraisers, real-time market data, and AI-driven valuation tools to help you secure the settlement you deserve. Get My Free Estimate →

Learn More About Maryland Diminished Value Claims

For more details on eligibility, local laws, and sample reports, visit our Maryland Diminished Value page to explore regional guides and city-specific resources. For other states, visit Diminished Value State Laws.