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Old 03-18-2017, 09:50 PM
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Re: 2017 NEW Jeep GC - Destroyed

FWIW, don't assume that just because your state doesn't officially recognize DV that you can't get it either. Ohio is one of the states that reportedly don't recognize DV. When my truck was damaged, the initial agent told me "no there's no Diminished Value coverage in Ohio". This was from the at fault driver's insurance. So I called my insurance agent to ask what their take on it was (to see if they were just trying to avoid a payout). My agent confirmed they were not making it up, and that we don't officially do that here.
However, after calling the guys insurance company back, I politely asked for a supervisor for "a question" and ended up getting an agent who at least knew what I was talking about. They got the ball rolling and managed to get me to an agent that specialized in DV cases. After jumping through some hoops I got a check for diminished value even though Ohio allegedly don't do that.

Moral of the story, don't give up, and be prepared to put some effort into it. The other thing I would note is to not be hostile about it. This is a more flies with honey situation in getting this claim started. The DV claim will have a different claim number than your damage claim. If you're a jerk to the people on the phone, there will be no incentive to try to help you out and find someone who can help you. They'll simply say, "we don't do that" and may be fully capable of leaving it at that.

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Old 03-21-2017, 03:48 PM
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Re: 2017 NEW Jeep GC - Destroyed

Originally Posted by RZB1992 View Post
As many people have already mentioned, try to get it to be deemed a total loss.

If the insurance company is working with you thus far, mention two things:

- that you do plan on pursuing a diminished value claim (if it's considered in your state); this will put them on notice that they will be paying out more than just the damages

- that you would like for them to investigate the "salvage value" further.

The salvage value is what they could recuperate from totalling the car out, and selling it to a recycling company for parts (or for rebuilding). If the salvage value is high, that means that they could more easily deem the car a total loss and "write it off" so to speak.

Good luck.
That's great advice. +2

I would def. say, if it's not too late to make this your #1 priority (to have the car totaled).
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