Indiana Vehicle Valuation
Choose Your Indiana Vehicle Valuation Path
Indiana drivers generally end up needing one of two kinds of help after an accident: a diminished value claim, filed when your vehicle was repaired but is now worth less on the market because of its accident history, or a total loss appraisal dispute, filed when your insurer wants to total your vehicle for less than it's actually worth. Both paths start with the same problem — an insurer's number that doesn't match the real market — and both are resolved with an independent, well-documented valuation.
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Every report is prepared using our Premier Market Comparison Method, built on real world market data and structured for insurance review.
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Premier DV helps Indiana drivers work through both diminished value claims and total loss appraisal disputes, building the independent, market-based evidence each one needs.
01
When your Indiana vehicle is repaired after an accident, it's still worth less than an identical vehicle with a clean history — a loss Indiana courts recognize, including the Indiana Supreme Court's 2005 decision in Dunn v. Meridian Mutual Insurance Co. You generally have two years from the date of the accident, under Indiana Code 34-11-2-4, to pursue that loss. Premier DV builds the market-based valuation report that documents exactly how much value your vehicle lost.
02
When an Indiana insurer declares your vehicle a total loss, Indiana law gives the insurer real discretion — there's no single statewide percentage rule for most claims, and no state mandate that your policy include an appraisal clause. That makes an independent valuation your best leverage against a lowball offer. Premier DV prepares a defensible, comparable-sales-backed appraisal you can use with your adjuster, through an appraisal clause if your policy has one, or in small claims 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 Indiana drivers get a fair, market-based valuation.