What a diminished-value evidence package should show
A useful evidence package should explain the repair, show how comparable vehicles were selected, identify the evidence sources, lay out the calculation and disclose its limits. PriorWorth plans to sell this as a paid product after the data and review process are ready; it is not accepting orders or payments yet.
The planned package, section by section
- A transparent value analysis. The planned report will show how the pre-crash value and any diminished-value estimate were derived, with the limits of the evidence stated beside the result.
- Repair facts. Repair categories will be grounded in the customer’s estimate and supplements. Any classification will be reviewed against the source documents.
- Prior damage. If the car had an earlier accident, the earlier repair records and current repair will need to be compared. Missing or conflicting history will be disclosed.
- The insurer’s reasons. If the insurer has already responded, the package can organize the stated reasons and the records relevant to them.
- Comparable vehicles. The planned comparison will explain model, trim, year, mileage, market area and the available accident-history evidence for each vehicle.
- The calculation. The method and steps should be shown in plain language, with inputs and exclusions available for review.
- Sale records. If you sold or traded the car, transaction paperwork may help describe its post-repair value alongside other evidence.
- Evidence sources. Sources and capture dates will be included where the data provider’s terms allow. Listings and history data cannot be used until commercial use is confirmed.
- Limits and exclusions. The report should disclose small samples, uncertain histories, mismatched records and any cars excluded from the analysis.
- State information. Any state-law summary will be general information, reviewed for the state where the claim is being considered.
Customer-preparation materials we’re considering
- A claim-preparation checklist. A plain list of records and questions to help you organize the claim yourself.
- A response worksheet. A place to record the insurer’s position, requested documents and the customer’s follow-up.
- A comparable checklist. A list of the vehicle-history facts that still need confirmation before any comparison is relied on.
What it doesn't do
- It doesn't promise a payment. The insurer or a court decides.
- It doesn't overstate your damage. The grade comes only from your estimate.
- It doesn't hide weak evidence. Limits are stated on the first page.
- PriorWorth does not speak to the insurer or negotiate your claim.
For now, use the free claim screening and review records that may support your claim.
Common questions
What should a diminished-value evidence package include?
A useful package should explain the repair, show how comparable vehicles were selected, identify the source and date for each vehicle-history fact, explain the calculation and disclose gaps or limitations.
Will an insurer accept a report?
There is no guarantee. An insurer reviews the claim and decides whether to make an offer. A report can organize evidence, but it cannot ensure payment.
Do you contact the insurance company for me?
No. You submit and manage your own claim. PriorWorth does not negotiate with insurers.
Is PriorWorth currently selling reports?
No. The planned evidence report will be a paid product, but the service is still in development while the data sources and review process are being validated. PriorWorth is not taking orders or payments yet.
This page is general information, not legal advice about your situation. PriorWorth is not a law firm or a public adjuster and is not affiliated with any insurance company.