Texas Diminished Value &
Total Loss Claims
Everything you need to know about filing a diminished value or total loss claim in Texas. Understand your rights, the process, and how we can help you recover what you're owed.
Texas at a Glance
Texas Auto Claims Law
Texas recognizes diminished value claims under common law tort principles with a 2-year statute of limitations. The state's 100% total loss threshold means vehicles aren't totaled until repair costs fully exceed the value. Texas has a generous $20,000 small claims limit and strong appraisal clause enforcement.
Important Deadline
You have 2 years from the date of your accident to file a claim in Texas. Don't wait — the sooner you act, the stronger your case.
Four Steps to Fair Compensation
Gather Your Documents
Collect your insurance settlement offer, repair estimates, vehicle photos, and accident report. We'll need these to build your case.
Contact Us for a Free Review
Call, text, or fill out our form. We'll review your situation within 24 hours and let you know if you have a viable claim.
We Build Your Case
Our licensed appraiser creates a certified report using Texas-specific comparable sales data and market analysis.
We Handle the Dispute
We submit the appraisal report to your insurance company and negotiate on your behalf until you receive fair compensation.
Recent Texas Recoveries
2022 Ford Explorer XLT
vs. Progressive
2023 Kia Telluride SX
vs. Liberty Mutual
2019 Audi Q5 Premium
vs. Nationwide
2019 Ford F-150 XLT
vs. Travelers
Frequently Asked Questions
Nearby State Guides
Texas Vehicle Owner?
Let's Get You What You're Owed.
We know Texas insurance law and have helped dozens of Texas residents recover fair compensation. Start with a free claim review today.