Colorado Vehicle Valuation
Choose Your Colorado Vehicle Valuation Path
Colorado drivers end up needing a vehicle valuation for one of two very different reasons. Either your car was repaired after a covered accident and is now worth less on the resale market simply because it has an accident history — a diminished value claim — or your insurer declared your vehicle a total loss and you believe the payout doesn't reflect its real pre-accident worth — a total loss appraisal dispute. The right path depends on what happened to your vehicle, but both start with getting an accurate, independent number.
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Whether your Colorado vehicle lost value after being repaired or your insurer wants to total it out below what it's actually worth, Premier DV builds the independent, market-based valuation you need to push back.
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Colorado courts have long recognized diminished value as recoverable property damage — the Colorado Supreme Court held in Trujillo v. Wilson (1948) that damages are measured by the difference in a vehicle's value before and after the damage, and the Colorado Court of Appeals confirmed in Airborne, Inc. v. Denver Air Center (1992) that an owner can recover the vehicle's decrease in market value in addition to repair costs. If your car was repaired after an accident that wasn't your fault, you may be entitled to that difference from the at-fault driver's insurer. Colorado gives you three years from the accident date to bring this kind of property damage claim.
02
Colorado law doesn't use a fixed percentage to decide when a vehicle is totaled — it compares your repair cost to the vehicle's pre-damage fair market value, and state regulation requires insurers to use a documented, consistent methodology when they calculate that value. In practice, that still leaves plenty of room for a valuation that shortchanges what your vehicle was actually worth. If your insurer's total loss offer looks low, an independent appraisal gives you the evidence to challenge it — whether informally with your adjuster or, for disputes over $7,500, in Colorado's small claims or county court.
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Whether your vehicle was repaired and lost resale value, or your insurer declared it a total loss, Premier DV helps Colorado drivers get a fair, market-based valuation.