State Farm is the largest auto insurer in Arizona, which means a significant portion of diminished value claims in the Valley are filed against State Farm's liability coverage. The good news: State Farm has established internal procedures for handling diminished value claims, and their adjusters are familiar with the concept. The challenge: State Farm uses the industry-standard 17c formula to calculate DV, which is intentionally designed to minimize payouts. Without a professional, market-based appraisal to counter their formula, you will almost certainly be underpaid.
Here are specific tips for filing a DV claim against State Farm in Arizona:
1. Do NOT accept the first offer. State Farm adjusters typically start with a lowball figure based on the 17c formula. This is a negotiating position, not a fair valuation.
2. Submit a professional DV appraisal. State Farm responds well to documented, data-driven claims. Orlando Auto Body's free $450 Diminished Value Appraisal Packet includes comparable sales data and a formal opinion letter that gives their adjuster the justification to pay a fair amount.
3. Reference your claim number and the policy section on property damage liability. State Farm's Arizona policies include diminished value under third-party property damage.
4. Be persistent. If the first adjuster denies or lowballs your claim, ask to speak with their supervisor or the claims manager.
Orlando Auto Body has helped hundreds of Arizona drivers file successful DV claims against State Farm. Our appraisal documentation is specifically designed to address the data points State Farm adjusters evaluate. If you were hit by a State Farm-insured driver, repair with us and let us build the strongest possible DV case. Call today — we know how State Farm works, and we'll help you get what you're owed.