Fictional worked example
The report you would receive, on a claim that never happened.
This is the same document structure as a paid package. Every figure comes from the report engine on a documented sample vehicle. No real customer appears here.
Illustrative only
Names, addresses, claim numbers, and the insurer on this page are fictional. Do not treat these figures as an estimate for any real vehicle.Cover
Documented diminished value estimate
- Vehicle
- 2021 Honda Accord Sport
- Claim reference
- SAMPLE-0000
- Supported estimate
- $2,150
- Range
- $1,725 – $2,575
Claim summary
- Claimant
- Alex Morgan (fictional)
- Insurer
- Example Mutual Insurance (fictional)
- Claim number
- EX-0000000 (fictional)
- Date of loss
- August 2, 2026
Vehicle summary
- Mileage
- 38,250
- Trim
- Sport
- VIN (last 6)
- 012345
- Pre-accident value
- $24,500
Accident and repair
Front impact with bumper and hood replacement plus ADAS calibration. Repair cost $5,481 at Example Collision Center (fictional).
Estimated diminished value
- Low
- $1,725
- Point estimate
- $2,150
- High
- $2,575
- Method
- 0.1.0
Calculation methodology
Engine method 0.1.0. Pre-loss value starts from comparable listings or an owner-provided guide value. Diminished value is a bounded percentage of that figure. Coefficients live in the report engine, not in this app.
Factor analysis
- Repair cost ÷ pre-loss value (22.4%). $5,481 repair on a $24,500 vehicle
- Base loss rate (9.7%). From the repair-to-value curve; larger repairs relative to value carry a larger market discount, with diminishing increments
- Damage severity (×1.03). severity band: moderate; ADAS scan/calibration
- Vehicle age (×0.92). 5 model year(s) old at the date of loss; newer vehicles lose more to accident history
- Mileage vs. expected (×1.03). 38,250 miles vs. about 60,000 expected (0.64×)
- Market segment (×1.00). segment: mainstream
- Prior accident history (×1.00). prior accidents: none
- Repair quality and parts (×1.00). OEM parts, no visible issues
17c comparison
- 17c-style figure
- $980
- Evidence-adjusted
- $2,150
- Difference
- $1,170
17c is shown as a comparison method only. Actual claim handling and valuation methodology vary.
Comparable vehicles
- 2021 Honda Accord · 36,400 mi · $25,200 · clean history
- 2021 Honda Accord · 41,100 mi · $22,850 · accident history
State-specific approved information
*State Farm v. Mabry* (2001); *Amica v. Sanders* (2015); OCI Directives 01-P&C-1, 08-P&C-2
Last reviewed: September 13, 2026 · Version 1
Limitations
This report is an informational, evidence-based estimate of potential diminished value prepared from information supplied by the vehicle owner and from the documents they provided. It is not a licensed or certified appraisal, not legal advice, and not a representation that any insurer is required to pay a particular amount. Valuation methodology, market conditions, and applicable law vary. The vehicle owner is responsible for reviewing all figures and documents before submitting them to an insurer.
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This is an estimate, not an appraisal or a promise of payment. It's based on the information you entered and general market data. Insurers may dispute or deny claims. Read the full disclaimer.