A First Party diminished value claim, is a claim against your own insurance company. It is possible to file a diminished value claim against your own insurance company. In California, there are still some courts that will hear a case under the collision portion of your policy, and there is at least one case in state of Georgia where the trial court agreed that diminished value was part of the damage calculation that should be used under the collision portion of a policy. There are arguments on both sides of the case. The first party coverage where there is not much question is the Uninsured Motorist portion of your insurance policy. Unless your policy specifically excluded diminished value (most policies exclude diminished value), then the Uninsured Motorist portion will cover diminished value. You need to remember this if you are involved in an accident where the other party is uninsured or under-insured and you have uninsured motorist coverage. Auto Accident Refund Inc. generally does not handle First Party Diminished Value claims, but you should contact one of our Claims Specialist for additional information.