Can I file a diminished value claim in Indiana?

Generally yes — if another driver was at fault, Indiana typically lets you pursue diminished value (the resale value your car lost just from having an accident on its record) against that driver's insurer. Diminished value applies to a repaired car, not a totaled one.

Can I recover diminished value from my own insurer in Indiana?

Usually not. In Indiana, as in most states, your own auto policy generally doesn't cover diminished value — it's typically pursued against the at-fault driver's insurer instead.

How long do I have to file a diminished value claim in Indiana?

In Indiana the statute of limitations is generally 2 years, and the clock usually starts on the accident date — not when the car was repaired. Waiting too long can permanently bar the claim.

Indiana · Diminished value

Diminished value claims in Indiana

If your car was repaired after a crash someone else caused, it's now worth less on paper simply because it has an accident on its record. In Indiana, that lost value — “diminished value” — can generally be pursued. Here's how Indiana treats it.

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Indiana at a glance

Third-party DV (at-fault driver's insurer): Yes
First-party DV (your own insurer): No
How DV is measured: Market comparison (before-vs-after value)
Time limit to file (statute of limitations): 2 years

Diminished value in Indiana

Indiana is NOT a strong first-party DV state on .gov sources — no controlling Indiana Supreme Court first-party DV opinion located, and IDOI FAQs do not affirmatively recognize first-party DV under standard auto policies. Third-party DV (against the at-fault driver in tort) IS recoverable as a standard tort property-damage measure: pre-loss FMV minus post-repair FMV (market-comparison approach). SOL for third-party DV is 2 years under § 34-11-2-4.

How Moe handles diminished value in Indiana

Knowing the rule is one thing — applying it against a carrier is another. Moe builds your case to Indiana’s rules, drafts every letter for your approval, tracks the deadlines, and only pings you when there’s a decision to make.

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Indiana diminished value — common questions

Can I file a diminished value claim in Indiana?: Generally yes — if another driver was at fault, Indiana typically lets you pursue diminished value (the resale value your car lost just from having an accident on its record) against that driver's insurer. Diminished value applies to a repaired car, not a totaled one.
Can I recover diminished value from my own insurer in Indiana?: Usually not. In Indiana, as in most states, your own auto policy generally doesn't cover diminished value — it's typically pursued against the at-fault driver's insurer instead.
How long do I have to file a diminished value claim in Indiana?: In Indiana the statute of limitations is generally 2 years, and the clock usually starts on the accident date — not when the car was repaired. Waiting too long can permanently bar the claim.

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All Indiana accident-claim rules · Other states

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This page summarizes Indiana’s car-accident claim rules for general information — it is not legal advice, and the rules can change. What applies to your claim depends on your policy and the specific facts.