Key Evidence to Strengthen Your Nebraska Diminished Value Claim

Disclaimer: This article is for informational purposes only and does not constitute legal advice.

Understanding Diminished Value Claims in Nebraska

After an accident, even high-quality repairs may not restore your vehicle’s full market value. Insurance companies call this loss in value “diminished value.” Nebraska law requires insurers to settle claims fairly and promptly. See Neb. Rev. Stat. § 44-1536 on unfair claim practices.

Key Evidence Types to Support Your Diminished Value Claim

1. Pre-Accident Documentation

• Maintenance records showing routine servicing and condition.
• Clean title history or vehicle history report (e.g., Carfax) proving no prior damage.
• Before-photos or video: clear images of body panels, interior, and mileage.

2. Repair Invoices and Estimates

• Detailed shop invoices listing parts, labor rates, and repair processes.
• Written repair estimates from multiple certified body shops.
• Paint-depth readings demonstrating original factory finish versus repair areas.

3. Independent Appraisal Reports

• Professional appraiser analysis comparing similar vehicles in your region.
• Market comparisons: “sold” listings of undamaged models matching year, make, and mileage.
• Formal written diminished value report stating Methodologies (e.g., 17c or market-based approach).

4. Expert Opinions

• Affidavits from certified mechanics, body technicians, or licensed auto appraisers.
• Expert testimony about safety, resale impact, and market perceptions.

5. Comparable Sales Data

• Listings from dealerships and certified pre-owned sales for undamaged cars.
• Dealer trade-in values showing lower offers on repaired vehicles.

6. Photographic Evidence

• High-resolution photos of repair seams, panel gaps, and paint mismatches.
• Before and after shots with date and time stamps.

How Evidence Helps Under Nebraska Law

Nebraska insurers cannot unreasonably delay or undervalue claims (Neb. Rev. Stat. § 44-1537). Strong documentation shows your out-of-pocket loss beyond repair bills. It strengthens negotiations and prepares you for appraisal or litigation if needed.

Helpful Hints

• Organize all documents chronologically in a digital folder.
• Use professional photographers or apps for date-stamped images.
• Get multiple independent appraisals for leverage.
• Keep all communications with the insurer in writing.
• Consult an attorney if the insurer denies or undervalues your claim.