OP, your approach sounds valid and suing in small claims is easy and cheap.
I don't know why you would obtain an appraisal.
BenTheRighteous wrote:... Yes, making a case in small claims is not free, but are you also not justified in asking for all those costs in the settlement amount?
If you go to court and win, wouldn't the insurance company be on the hook for all those things? (After all, they're costs that would not have been incurred if not for the original accident.) If yes, it seems like they'd be just as interested in avoiding a court case as well.
BenTheRighteous wrote:So what I did instead was I asked the dealer I bought the car from to prepare 2 trade-in quotes, one with the damage factored in and one without. I figure that's a fair guideline for a diminished value claim, but the insurance company disagrees... especially since the difference in quotes ($2,000) is greater than the value of the repair ($1,370). They're offering $1,000 instead.
LeftieBiker wrote:These cars depreciate so rapidly that this kind of claim is problematic. If you can get anything in the way of a settlement here, I'd take it.
BenTheRighteous wrote:In my case, I filed the DV claim with the other driver's insurance company, since they were at fault. I'm not sure if you could collect DV from your own insurance if it were your own fault.