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When your vehicle is damaged in an accident and repaired, the car often loses resale value compared with an otherwise identical, undamaged vehicle. That loss is called “diminished value.” In Wyoming you can pursue a diminished-value claim against the at-fault driver’s insurer (or sometimes against your own insurer, depending on your policy). The process to get a reliable appraisal and present it to an insurer has predictable steps. The following explains those steps, what a credible appraisal should include, how to present the claim, and where to go if the insurer refuses to pay.

1. Confirm you have a viable diminished-value claim

• The vehicle sustained damage and the damage was repaired (or a repair estimate exists).
• Another driver was at fault, or your insurer’s policy language allows diminished-value claims under your own coverage.
• You have or can assemble documentation (repair bills, photos, title, mileage, and vehicle history).

2. Collect documents and evidence before and after repairs

Collect everything that supports value loss:

• Detailed repair invoices listing parts and labor.
• High-quality photos: immediate post-accident, during repair, and after repair from multiple angles (interior and exterior).
• Vehicle identification (VIN), current odometer reading, make, model, trim, and optional equipment list.
• Vehicle history reports (e.g., CARFAX) showing the collision/repaired history.
• Comparable listings/sales of similar vehicles (year, miles, condition) in your market.

3. Pick the right appraiser and appraisal method

Not all reports convince insurers. Use an appraiser who routinely prepares diminished-value reports for insurance claims or for sale negotiations. Look for someone who documents their valuation method and can explain market comparables.

Typical valuation approaches an appraiser will use:

• Market-comparison (sales comps): compares your repaired vehicle to similar undamaged vehicles sold nearby.
• Cost-to-cure / cost-to-repair approach: less common for diminished value because it focuses on repair cost rather than market impact.
• Expert opinion combining market data, the vehicle’s history, and buyer perceptions.

A high-quality report should state the appraiser’s methodology, show at least three comparable sales or listings, include clear photos, list the vehicle’s condition before and after repair, and state a specific diminished-value dollar figure (or a narrowly defined range) with supporting calculations.

4. Typical appraisal process and timeline

1. Schedule an inspection: appraiser examines the vehicle, repair paperwork, and history report.
2. Research and market analysis: appraiser identifies comparable vehicles, recent sales, and market factors affecting value.
3. Draft report: written report with photos, comparables, calculations, and statement of opinion of diminished value.
4. Delivery: you receive the report and can send it to the insurer.

Expect 3–14 days for a thorough appraisal, depending on appraiser workload and market research depth.

5. Presenting the appraisal to the insurer

• Send a clear demand package to the at-fault driver’s insurer: include the appraisal report, repair invoices, photos, and a cover letter demanding payment for the diminished value amount in the report.
• Use certified mail or an e-mail address the insurer uses for claims so you have proof of delivery.
• Ask for the insurer’s decision within a reasonable time (e.g., 14–21 days).

Check your own insurance policy for an appraisal clause or other dispute-resolution language. If your policy contains an appraisal clause, the clause may offer an appraisal process to resolve disagreements about the value of loss. Review your policy or ask your insurer to point to the relevant policy section.

6. If the insurer disputes or denies the claim

• Request a written explanation. Insurers often deny on the basis of low market impact or insufficient documentation.

• Negotiate: present supplemental evidence (additional comps, market data) or ask for a mediated review.

• File a complaint with the Wyoming Department of Insurance if you suspect bad faith or unfair claim handling. The department provides consumer guidance and a complaint process: Wyoming Department of Insurance and complaint filing information is available here: https://doi.wyo.gov/consumer-services/consumer-complaints/file-a-complaint.

• If negotiations fail, you may pursue a civil claim (small-claims court or a lawsuit) to recover diminished value. Check applicable deadlines and court rules; consult an attorney if you consider litigation.

7. Practical tips about costs and expectations

• Appraisal fees vary. Expect a typical independent diminished-value appraisal to cost several hundred dollars depending on the depth of the report and local market complexity.

• Insurers sometimes counter with their own appraisals or low offers. A strong, well-documented appraisal increases the chance of a fair settlement.

• Not every repair causes a large diminished-value claim. High-mileage cars, older vehicles, or those with limited market demand often show smaller diminished value losses.

Relevant Wyoming consumer resources

• Wyoming Department of Insurance (consumer help and complaint forms): https://doi.wyo.gov/
• Wyoming Legislature — statutes and searchable law library (for deadlines, insurance code, and court rules): https://wyoleg.gov/Statutes

Helpful Hints

• Act quickly after repairs: document the car with photos and preserve repair invoices.
• Use an appraiser who documents methodology, comparables, and market research in writing.
• Check your insurance policy for any appraisal clause or dispute-resolution procedures before you hire an appraiser.
• Keep copies of all communication with insurers and send demand letters with proof of delivery.
• If the insurer refuses to pay, contact the Wyoming Department of Insurance to file a complaint before pursuing court action.
• Consider the cost of an appraisal versus the likely recovery—older vehicles with low market value may yield low diminished-value amounts.