Diminished Value Appraisal in
Oregon

Last updated: August 18, 2025

Oregon law allows recovery of diminished value (DV) in third-party liability claims when another driver is at fault. However, most first-party insurance policies in Oregon exclude DV unless specifically provided in your contract. This guide explains when DV is recoverable in Oregon, the key statutes and rules, what to document, how to file step by step, and why a professional SnapClaim appraisal is essential for negotiating a fair settlement.

Does Oregon Allow Diminished Value Claims?

Third-party (at-fault driver’s insurer)

Yes. Oregon law recognizes recovery of diminished value against the at-fault driver’s insurance carrier. Courts treat DV as part of compensable property damage, even after quality repairs.

First-party (your own insurer)

No, unless specifically covered. Most Oregon auto policies exclude DV in first-party claims. Unless you purchased special coverage or your policy explicitly includes it, you cannot claim DV against your own insurer.

Key Oregon Law & Authority

• Statute of limitations: Oregon gives you 6 years to file property damage claims, including DV.
• Case law: Oregon courts have allowed recovery for post-repair loss in market value as part of property damages in third-party claims.
• Small claims court: Oregon small claims courts handle disputes up to $10,000.
• Insurance regulator: The Oregon Division of Financial Regulation provides guidance on auto insurance claims and consumer rights.

Types of Diminished Value in Oregon

• Immediate DV: Loss in value right after the crash but before repairs are made.
• Repair-related DV: Loss caused by visible or incomplete repairs.
• Inherent DV: The most common — even after quality repairs, a previously damaged vehicle is worth less than one that’s never been in an accident.

What You Need to Document

• Accident report: Request from the Oregon DMV.
• Repair records: Keep invoices and documentation of all work completed.
• Vehicle condition photos: Before and after photos help prove repair quality.
• Comparable listings: Show how accident history lowers market prices.
• Certified DV appraisal: A SnapClaim report gives you data-driven, certified evidence insurers recognize.

Step-by-Step: Filing a Diminished Value Claim in Oregon

1. Confirm eligibility. DV applies when another driver is at fault.
2. Complete repairs. Proof of repair is required before DV can be established.
3. Get an appraisal. Order a SnapClaim certified DV report.
4. Send demand package. Include appraisal, accident report, and repair invoices.
5. Negotiate. Insurers in Oregon often undervalue DV claims unless backed by credible documentation.
6. Escalate if necessary. File in small claims court (up to $10,000) or higher court for larger claims.

Why a DV Appraisal Matters in Oregon

Insurance carriers in Oregon frequently dispute or minimize diminished value without objective proof. A SnapClaim certified appraisal provides market-based evidence that strengthens negotiations and increases settlement outcomes. For total loss claims, see our Fair Market Value Reports. Every SnapClaim service comes with our Money-Back Guarantee. Visit our complete State Diminished Value Laws Guide for more states.