Under law, everyone should disclose accident history on a vehicle when selling. After disclosure, most buyers are not willing to pay the same amount for a vehicle with accident history as the same vehicle without accident history. Loss of Value or Diminished Value is the difference in the market value of a vehicle without accident history and the market value of the same vehicle with accident history. This difference is part of the total property damage claim. After a covered loss, the insurance company is obligated to the policyholder to have the damaged property completely restored to pre-loss condition. If the accident was your fault, it is a first party claim, and you will be most likely dealing with your insurance company based on the terms and conditions of your policy. If the accident was someone else's fault, it is a third party claim, and you will most likely be dealing with the insurance company of the person that hit you. You are under no contractual obligation to let the other person's insurance company inspect the damages. The key to recovering all losses owed is having an accurate assessment of your damages, knowing who is responsible to pay for damages and understanding the necessary steps of the recovery process. Vehicle owners have the right to disagree with any assessed amount of loss. Depending on the policy and state law, provisions are provided for dispute resolution. It is important to completely visually inspect the vehicle when it is delivered, but often the average consumer cannot see all possible defects. If you are unsure we strongly suggest you hire an independent appraiser for a post repair inspection - any flaws or defects in repairs after an accident or "evidence of repairs" can affect your trade-in or resale value negatively.

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