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A Basic Overview

Is there a statutory basis controlling diminished value claims ?

NO

Is there favorable Reported case law for Diminished Value Claims ?

YES

Can my Collision Coverage cover the Diminished Value of my vehicle ?

NO

Can my Uninsured Motorist cover my Diminished Value ?

NO

What is the small claims court authority limit ?

$5,000

What is the Statute of Limitations to recover my diminished value ?

2 years

Are “iCan” appraisals accepted into evidence ?

YES

Expanded Narrative


A Little Tale of Diminished Value

in Arizona as told by

J. D. Howard


In 1986, I owned Realistic Appraisal & Adjustment Services. In the preceding 6 years our business had grown to be the 2nd largest independent claims adjusting service in Arizona (2nd only to Crawford & Company). I had benefited greatly from two extraordinary mentors (Frank Wesley, managing partner of Great West Claim Services .. and .. E.P. “Bill” Everhard, claim manager of TransAmerica Insurance Group). We had a staff of 14 employees and counted some of America’s best insurance company staff claims adjusters as personal friends.

While my mentors were heroes in my life, two other people had a significant impact on forming the man I had become (Zig Ziglar, author of “See You at the Top” .. and .. Senator Barry M. Goldwater). The reason I share this with you is about to be made clear.

There was a proposition on the ballot that year that would have amended the Arizona Constitution so as to allow “No-Fault” insurance in Arizona. Since insurance was my vocation, I took an interest in reading the actual proposition. I did not like what I read.

I literally spoke directly with both Zig Ziglar and Senator Goldwater. Zig Ziglar reminded me that “If a man does not stand for something .. he’ll fall for anything”. Sen. Goldwater impressed upon me how important was the actual language of the proposition. It was inconsistent with their advertising. That’s when I decided I had to become involved in challenging that insurance industry backed proposition.

If You Do Not Stand for Something . . . You Could Fall for Anything !

Shortly after that proposition had gone down to defeat (by less than 1%) we started getting phone calls from those who had been giving us assignments. Turns out, they had been given instructions to no longer provide work to our firm. We closed our doors and recommended our friends speak with Marvin “Marv” Lorig at Crawford & Company. Marv was a former employee with whom we had always maintained a close friendship.

In 1987, I moved my office back home and began handling the property damage portions of attorney’s client’s claims. We made sure client’s vehicles were properly repaired at top-notch body shops .. and .. collected Diminished Value settlements for the auto owners.

The Significant Takeaways from the above are . . .

  • The insurance industry wields great power over politicians . . .
  • Consumers DO have Rights, be willing to enforce them . . .
  • Diminished Value is recoverable if you are not the at-fault party . . .
  • Character Matters . . .
  • Diminished Value Appraisers should know how to help you negotiate !

There are 2 significant case law precedents that favor Diminished Value consumer rights in Arizona. They are Farmers Insurance v. RBL Investment (1983) .. and .. Oliver v. Henry (2011). Farmers Insurance lost their case and State Farm lost in the Oliver v. Henry case.

A good Diminished Value Appraiser will show you how to leverage these case laws to recover your Diminished Value.


You can view J. D. Howard’s BIO-CV for information on Our Founder.

Better Business Bureau ... Rated “A+”