Diminished value claims in Florida
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Car repaired but worth less after a Florida crash? Call for a free review.
Call about lost value(833) 716-6705
We answer 24/7, review your lost value free, and connect a car accident lawyer who is paid only if you win.
Florida diminished value is a property damage claim against the driver who caused the crash. Florida's no-fault rules cover injuries, not your car, so a claim for lost value goes to the other driver's insurer.
Claim against: The at-fault driver's insurer.
Deadline to sue for car damage: Two years for negligence.
Who can claim
The claim goes to the at-fault driver's property damage coverage. Florida PIP pays injury costs only, under section 627.736.
The formula
Florida sets no formula. An appraisal compares sales of cars like yours with and without a crash history.
A repaired $30,000 car with moderate damage and 30,000 miles gives $1,200 by the 17c formula.
That is $30,000 times 10 percent, $3,000, times 0.5 for damage and 0.8 for miles. Try yours on the diminished value calculator.
The deadline
A negligence lawsuit must be filed within two years, under section 95.11 as changed in 2023.
How to file with their insurer
- Call us, so a lawyer tells you which insurer to claim against.
- Wait until repairs are done and get the final repair bill.
- Get a written appraisal that lists sales of similar cars.
- Send the appraisal, the repair bill and photos with a short letter asking for the amount.
Florida diminished value questions
Can I claim diminished value in Florida?
Yes, from the at-fault driver's insurer. No-fault limits apply to injuries, not to your car.
How long do I have in Florida?
Two years for a negligence lawsuit, since the 2023 change.
Does Florida PIP pay for my car?
No. PIP pays injury costs. Your car goes through property damage or collision coverage.
How is Florida diminished value figured?
There is no state formula. An appraisal with sales of similar cars sets the number.
What to do now
Call about lost value(833) 716-6705
We answer 24/7, review your lost value free, and connect a car accident lawyer who is paid only if you win.
Once you accept the repair as the end of your claim, the lost value can slip away. Florida claims have deadlines, and an injury lawsuit must be filed within two years of the crash. Call before you sign anything and have a lawyer review your lost value free.