The first thing is there is no actual law on how to calculate diminished value but there is accurate caculations and then arbitrary formulas that don’t pass the legal daubert standard. Most formulas that have been created are used for inatant reports based off of 17c which either don’t accurately assess damage by grouping panel or bumper damage with structural/frame and unibody damage as the same severity or uae double deductions for year, mileage and even msrp. The truth is the only real way to assess market value is you must have historical values on thr actual sales not posted sale price then get the difference between the highest and lowest values to create a valuation floor and then get the pre-loss value by studying the market zip code area sales. After all that is done you go into the actual severity of damage by breaking down the samage severity and that is needed to be done by an expert. The main problem with diminished value is there are many fake associations and fake certifications where you pay to become a member and give you a so called formula, or association certificate that makes people think that the company is approved for accurate appraisals. Even the BBB is a paid independently owned organization which many people believe is some how associated with thr government when in reality it is a yearly $300+ membership a year that says you are certified by them. Get a dree diminished value estimate from an expert at http://diminishedvaluereport.org