First Party Vs Third Party (In states other than Ga, NC & SC)

First-party claims are those where the “the insured” has a direct contract with an insurance company.

For example, if the insured were driving and accidentally hit a dear then the insured would turn the diminished value claim into their insurance company. Depending upon the insured’s state of residence and insurance policy language, we estimate that diminished value is owed in approximately 50% of the claims. First party diminished value claims vary significantly depending on the insured’s policy and whether they are claiming diminished value under the collision, underinsured part of the policy, or the uninsured part of the motorist coverage.

Conversely, third party diminished value claims are considered more matter of fact, with an estimated 99% of claimants having the right to recover diminished value.

Simply stated, tort law allows for the innocent party to be entitled to monetary compensation, a.k.a. to be” made whole”. As the decrease in the claimant’s vehicle’s value is part of the damage caused by the insured, the claimant is entitled to monetary funds for diminished value.

Diminished value claims typically settle within 30 to 45 days if the claimant uses a reputable diminished value company, such as Wreck Check Atlanta. The appraisal is usually completed within a week and sent to you with copies of the demand letter, diminished value appraisal & Instructions. Claimants typically have a diminished value check for thousands of dollars within 30-60 days.

As there are many types of first party claims, it is prudent to give Wreck Check Atlanta a call regardless of the type of claim so a licensed diminished value professional can go over the claim with you – typically for free.

Why Choose Wreck Check Atlanta?

#1 In The Detection Of Improper Collision & Mechanical Repairs & The Leader In The Evaluation Of Diminished Value.

Do you have any questions or comments about our services?

Atlanta’s #1 Post Repair Inspectors
Better Business Bureau A Rating
Wreck Check Atlanta, Auto Inspection Stations, Woodstock, GA
Beware of Appraisers Posing as Consumer Advocates

Before hiring an appraiser, Ask them how many diminished value claims are referred to them by Insurance Companies. The way they answer this question will tell you about their intentions.

Insurance companies like to minimize the amount they pay out on claims. Any Appraiser stating they can get you a diminished value appraisal the insurance company will accept likely works for the insurance company, and this represents a conflict of interest for the vehicle owner.


I've Know RJ for years through my being he and his father's industry/business consultant (Auto Damage Experts, Inc. (ADE) and have found RJ to be a person of integrity and honor... and he can be a pit-bull when helping his customers protecting their rights.

While some may now see us as competitors, I am proud to have RJ as an industry colleague as I know he will represent it with humility and his ongoing quest to provide the best serve possible. Proud to have him as a member of the Post Repair Inspection profession.

Wishing him the best in his new endeavor!

Barrett Reed Smith r May 8, 2017