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Detailed Answer

Under Connecticut law, a diminished value claim seeks compensation for the drop in your vehicle’s market value after an accident and repair. While Connecticut statutes do not explicitly define “diminished value,” insurers must handle all claims in good faith under Conn. Gen. Stat. §38a-321. Follow these steps to prepare and submit your claim:

1. Review Your Policy and CT Law
   Check your auto insurance policy for any deadlines or requirements on filing supplemental claims. Connecticut’s Unfair Claim Settlement Practices Act (Conn. Gen. Stat. §38a-321) mandates insurers to promptly investigate and honor valid claims.
2. Document Pre-Accident Condition
   Gather maintenance records, original window stickers, and high-resolution photos that show your vehicle’s condition before the crash.
3. Obtain Fair Market Value
   Use reputable guides (e.g., Kelley Blue Book) or dealer quotes to establish the pre-accident fair market value. Retain printed reports or screenshots.
4. Complete Repairs and Collect Invoices
   Choose a certified repair facility. After repairs, keep all invoices, part lists, paint codes and before/after photos.
5. Hire an Independent Appraiser
   An experienced auto appraiser can calculate the diminished value by comparing market value before and after repairs. Their detailed report provides a clear basis for your claim.
6. Prepare Your Claim Package
   Include:
   • A cover letter summarizing the accident date, claim number, and types of damages claimed.
   • The independent appraisal report.
   • Repair invoices and photos.
   • Fair market value documentation.
   • A copy of your insurance policy declarations page.
7. Submit the Claim
   Send your packet via certified mail or through your insurer’s online portal. Request a written acknowledgment. Under Conn. Gen. Stat. §38a-321, insurers must acknowledge receipt within 15 business days and accept or deny within 45 days.
8. Follow Up and Appeal If Needed
   If the insurer undervalues or denies your claim without justification, you may:
   • File a complaint with the Connecticut Insurance Department (portal.ct.gov/CID).
   • Pursue appraisal or arbitration as outlined in your policy.
   • Consider small claims court for amounts up to $5,000.

Helpful Hints

• Start collecting vehicle documentation immediately after the accident.
• Retain original repair shop estimates before repairs begin.
• Get multiple appraisals if you suspect undervaluation.
• Keep copies of all correspondence with your insurer.
• Act promptly to meet policy deadlines and statutory response times.

Disclaimer: This article provides general information on Connecticut diminished value claims and is not legal advice. Consult a qualified attorney for advice specific to your situation.