Diminished Value Claim Denials: Your Next Steps in Orlando’s Legal System

When you’ve been involved in a car accident in Orlando, Florida, it’s not just the immediate physical and emotional consequences you need to worry about. There’s often another aspect to consider: the diminished value of your vehicle. If your diminished value claim has been denied, it can be frustrating and financially burdensome. In this blog post, we’ll explore the steps you can take when your diminished value claim is denied in Orlando, helping you navigate the legal system to seek fair compensation for the loss in your vehicle’s value.

Understanding Diminished Value Claims

Diminished value refers to the reduction in your vehicle’s market value after it has been involved in an accident, even after it’s been repaired to its pre-accident condition. In Florida, you have the legal right to file a diminished value claim against the at-fault party’s insurance to recover this loss. However, insurance companies sometimes deny these claims for various reasons.

Common Reasons for Denied Diminished Value Claims

Insurance companies may deny a diminished value claim for several reasons, including:

  • Lack of Proof: They may argue that you haven’t provided sufficient evidence to support your claim.
  • Exclusion in Policy: The at-fault party’s insurance policy may have exclusions that don’t cover diminished value claims.
  • Disputed Liability: If there’s a dispute regarding liability for the accident, it can impact your diminished value claim.
  • Low-Impact Accidents: Insurers may claim that your vehicle’s value wasn’t significantly affected if it was involved in a low-impact accident.

Next Steps After a Denial

If your diminished value claim is denied in Orlando, consider the following steps:

  • Review the Denial Letter: Carefully review the denial letter from the insurance company to understand the specific reasons for the denial.
  • Gather Evidence: Collect all relevant documentation, including photographs of the damage to your vehicle, repair records, and any expert assessments that support your diminished value claim.
  • Consult an Attorney: Consult with an experienced personal injury attorney who specializes in diminished value claims. They can help you understand the legal aspects, assess the strength of your case, and advise you on the best course of action.
  • Negotiation: Your attorney may engage in negotiations with the insurance company to resolve the issue amicably. If an agreement is reached, it can save time and legal expenses.
  • Filing a Lawsuit: If negotiations fail, you may need to consider filing a lawsuit against the at-fault party to recover your diminished value loss. Your attorney will guide you through the legal process and represent your interests in court.
  • Seek Mediation or Arbitration: In some cases, mediation or arbitration can be a cost-effective and efficient way to resolve the dispute without going to court.
  • Compliance with Florida Law: Ensure that your attorney is well-versed in Florida’s laws regarding diminished value claims, as they vary from state to state.


When your diminished value claim is denied in Orlando, it doesn’t mean you have to accept the loss in your vehicle’s value without a fight. Understanding the reasons for the denial, gathering strong evidence, and consulting with an experienced attorney are essential steps to take. By pursuing the right legal avenues, you can seek fair compensation for the diminished value of your vehicle and ensure that you receive the financial restitution you deserve.