Regarding our diminished value appraisal of a 2017 Cadillac XT5 Luxury SUV with 11,114 miles that was involved in a front end collision on 1/10/18 that caused $16,634.59 in damage. The vehicle was disabled/towed and had structural damage and air bag deployment. The claimant made a third-party inherent auto diminished value claim for the vehicle’s loss in value. Once a car is repaired after a collision, it is worth less, often much less depending on the severity of the damage. Regardless of how well the repairer did his job, nobody will pay as much for a previously wrecked car as they would for an identical one that was never in an accident. Presenting a diminished value claim and following it through to a satisfactory conclusion is a daunting task for the average person. Obtaining a comprehensive Diminished Value Report is key.

We learned from these examples from sales managers at Cadillac dealers in South Florida. – You would lose between 25% at minimum off the trade-in-value due to it having frame damage. Also anytime a car or truck has reported frame damage you will lose 30% or higher depending on the vehicles value because they have to sell at auction and have to disclose this damage to potential buyers which makes it a hard sale. And typically that when you have a vehicle with frame damage and it was towed from the scene you are looking at taking a big hit

The opinions of unbiased experts form the basis for the most comprehensive Auto Diminished Value Appraisal available. We obtain six of them which absolutely puts the diminished value figure prepared by The St. Lucie Appraisal Company in the ballpark. This is what the car owner will experience in the real world.

Cadillac diminished value www.stlucieappraisal.netDealers providing opinions regarding diminished value were given information specific to this vehicle including year, make, model, mileage, color, options, any other pertinent equipment, date of loss as well as the nature of the repaired damages and the manner in which the vehicle was repaired. Dealer opinions are based on personal knowledge and access to auction results. Dealers were advised that this vehicle was properly repaired.

We contacted several Cadillac dealers in South Florida in order to establish how these repairs and the resultant repair history would impact this vehicle’s Fair Market Value (FMV.) Dealers were provided with an evaluation of the vehicle’s condition both prior and subsequent to repairs.

Description of damage: Disabling collision damages to the Front with damage to structural components and air bag deployment. Repair cost $16,634.59. LKQ (used) and/or aftermarket parts were not utilized in the repair/not factored in to the diminished value.

The average of six (6) deductions was 31.25%%. This is the percentage of Diminished Value to be taken from the FMV at the time of loss.

We established that the above captioned vehicle had a Fair Market Value (Average Trade-In Value) of approximately $35,000.00 at the time of loss. The Diminished Value was $10,937.50.



paypal payment buttonThe fee for an Automobile Diminished Value Report is $275.00. You may also make your Credit Card Payment by telephone, call 772-359-4300.

After making your secure payment please email the completed body shop estimate or insurance company damage appraisal to

Service in Altamonte Springs, Boca Raton, Boynton Beach, Bradenton, Cape Coral, Clearwater, Coconut Creek, Coral Springs, Davie, Daytona Beach, Delray Beach, Deltona, Fort Lauderdale, Fort Pierce, Gainesville, Hialeah, Hollywood, Homestead, Jacksonville, Jupiter, Kissimmee, Lakeland, Largo, Lauderhill, Margate, Melbourne, Miami, Miami Beach, Miami Gardens, Miramar, North Port, Ocala, Orlando, Palm Bay, Pembroke Pines, Pensacola, Plantation, Pompano Beach, Port Orange, Port St. Lucie, St. Petersburg, Sanford, Stuart, Sunrise, Tallahassee, Tamarac, Tampa, Vero Beach, Wellington, Weston and throughout Florida.
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Independent Automobile Appraisers – it is an industry that has changed but, regrettably, not for the better and definitely not for the benefit of auto owners like you and I. From small-operators to companies that offer nationwide service, many independents court insurance companies as clients rather than private parties. One may concede that it makes perfect fiduciary sense. Once they land a big fish like Allstate, State Farm or Progressive, a steady income is virtually guaranteed. Making the job even more desirable is that these appraisers can produce “computerized” valuation and diminished value reports based on formulas, algorithms, valuation guidebooks such as NADA or, in many cases, simply offer their “expert” opinions. What is most interesting, however, is that those independent appraisal firms that accept assignments from private parties in valuation or diminished value disputes use the same shoddy, invalid methodologies simply because it requires minimal effort. While it takes less than ten minutes to prepare a vehicle valuation report or diminished value appraisal using a formula, an independent appraisal company that does actual research such as obtaining expert opinions from multiple dealers or accessing automobile auction results can spend hours arriving at a quantifiable figure. The St. Lucie Appraisal Company is one such independent auto, truck, RV and motorcycle appraiser that does just that. Has maintaining these high standards lead to our having the best reputation among independent auto appraisers? Do your due diligence when choosing an independent appraiser by investigation their reviews in sites such as,,,,,,,,,,, as well as good old Angie’s List. Why did these sites rate a mention? You’ll find negative, sometimes alarming reviews and complaints about almost every independent automobile appraisal company except one. Us.

Insurance companies are obviously well-aware of formula-based appraisals such as derivatives of Rule 17-C so their adjusters and defense attorneys handle them appropriately by downgrading or rejecting claims altogether. Inadequate methodologies lead to angry consumers who are now faced with uncertainty over what to do next – especially when it comes to making third-party inherent diminished value claims. Your dealer – any dealer for that matter – will inform you that your car has lost thousands when you want to trade it in yet insurance companies routinely get away with settling diminished value claims for a few hundred dollars.

To an independent automobile appraiser, the best validation of our work is repeat business. Friends of clients and former clients themselves now dealing with second accidents call us. Attorneys, collision shops, agents and car dealerships keep sending clients our way which wouldn’t be the case if they were hearing complaints of bad faith or poor customer service. We specialize in resolving total loss valuation disputes and inherent diminished value claims.Read our own in-house comments page where our clients have reviewed our services.

Paul N (Alabama)- Franklin, I wanted to thank you for your documents because today we received the full amount from Alfa Insurance Company from your documentation, $10,125.00 diminished value settlement on the BMW. Thanks again.


Our company provides Valuation and Diminished Value Appraisals for all types of cars, trucks and tangible personal property including Antique and Custom Cars, Trucks, Heavy Equipment, Motorcycles, Recreational Vehicles, Mobile Homes and more. Please feel free to call 772-359-4300 with questions.




paypal payment button

The fee for an Automobile Diminished Value Report is $275.00. You may also make your Credit Card Payment by telephone, call 772-359-4300.

After making your secure payment please email the completed body shop estimate or insurance company damage appraisal to

Service throughout Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming