Why You Should File a DV Claim Before Selling
Selling your car after an accident? Filing a DV claim before selling it could be the smartest financial move you make.
This article explains why diminished value matters, how it impacts your resale or trade-in offer, and when to file a DV claim to avoid losing money. By the end, you’ll understand the legal and financial advantages of filing your claim before handing over the keys.
What Is a DV Claim?
A Diminished Value (DV) claim allows you to recover the loss in your vehicle’s value after an accident, even after repairs. When your car is involved in a collision, it becomes less valuable — even if repaired perfectly. Filing a DV claim helps you recover that lost value from the at-fault party’s insurance.
Why You Should File a DV Claim Before Selling
If you wait until after selling or trading in your car, you lose your chance to file a DV claim. Once ownership is transferred, you no longer have the legal right to make that claim — even though you were the one who suffered the financial loss.
That’s why you should file a DV claim before selling your car.
What Happens If You Sell Without Filing?
Here’s what typically happens:
- Dealerships or private buyers check vehicle history reports.
- A reported accident — no matter how minor — lowers the resale value.
- You lose negotiating power.
- You miss the opportunity to recover thousands through a DV claim.
The insurance company won’t pay that money unless you ask for it, and once you sell the car, it’s too late.
Filing a DV Claim: What You Need
To file a DV claim before selling your car, gather:
- A professional DV appraisal
- Documentation of the accident and repairs
- Your insurance policy and accident claim number
These steps help prove your case and get the settlement you’re owed.
How Filing Early Strengthens Your DV Claim
Filing while you still own the vehicle gives you:
- Legal standing to make the claim
- Proof that you’ve suffered the loss
- Control over documentation and evidence
If you file a DV claim before selling, you can maximize your payout and avoid letting insurers or buyers devalue your car unfairly.
Real Example: DV Value Lost at Trade-In
| Vehicle Model | Pre-Accident Value | Post-Repair Offer | DV Claim Filed | DV Recovered |
|---|---|---|---|---|
| 2022 Honda Accord | $25,000 | $20,000 | ✅ Yes | $4,500 |
| 2021 Toyota Camry | $24,000 | $20,500 | ❌ No | $0 |
This comparison highlights the financial gain of filing a DV claim before selling. The first seller got money back. The second didn’t.
Conclusion
If you’re planning to trade in or sell a repaired car, take one step first: file a DV claim before selling. It’s your chance to recoup lost value and protect your bottom line.
Don’t leave money on the table. Filing your claim now could put thousands back in your pocket.
