Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on your specific situation.

Detailed Answer

1. Establishing Pre-Accident Value

Start by documenting your vehicle’s fair market value immediately before the accident. Use:

• Alignment of Kelly Blue Book or NADA values.
• Dealership trade-in or private sale quotes.
• Independent appraiser reports showing condition and mileage.

2. Documenting Post-Repairs Value

Prove that even after high-quality repairs, your car’s market price dropped. Gather:

• Independent diminished value appraisals from ASE-certified appraisers.
• Comparisons of similar makes, models, years and mileage before and after repair.
• Quotes from dealerships showing reduced offers on repaired vehicles.

3. Repair and Maintenance Records

Comprehensive repair history supports your claim:

• Detailed invoices listing parts, labor and frame-straightening work.
• Photos of damage stages: before, during and after repair.
• Proof that you completed routine maintenance on schedule, demonstrating overall good condition.

4. Vehicle History Reports

Reports from Carfax or AutoCheck reflect an accident record that can depress value. Provide:

• Full vehicle history report showing accident details.
• Any salvage or title brands recorded after the accident under MCL 257.321: https://www.legislature.mi.gov/mcl-257-321.

5. Legal Framework in Michigan

Under Michigan’s Insurance Code, insurers must not engage in unfair claim practices such as undervaluing claims. See MCL 500.2006: https://www.legislature.mi.gov/mcl-500-2006. If the insurer denies reasonable evidence, you may escalate or file a complaint with the Michigan Department of Insurance and Financial Services.

Helpful Hints

• Obtain at least two independent diminished value appraisals.
• Keep an organized file of all records, estimates and correspondence.
• Take high-resolution photos from multiple angles immediately after the accident and after repairs.
• Compare offers: dealer trade-in, private sale, and auction estimates.
• Review your insurer’s diminished value policy language carefully.
• If negotiations stall, consider appraisal or mediation clauses in your policy.