Let me preface this with I've done a decent bit of reading threads on here and on the tesla forums in regards to diminished value claims. I haven't quite seen any posts that cover my specific situation so I'm seeking advice, if I missed it please kindly link me to those threads.
Two months ago I was hit pretty much head on by a distracted driver on their phone. We both had USAA insurance and both filed claims. Fortunately I was able to recover dash cam footage of the accident and was determined not liable which is important since this accident occurred in Kentucky which is a no fault state. My car suffered ~$13.5k in damage and took nearly two months to repair. After some research I landed with using St. Lucie Appraisal Company for my independent appraisal for my diminished value claim. Before disclosing this to USAA I simply just filed a DIV claim to which they sent it off to a third party, Alacrity Solutions, to avoid a conflict of interest. They came back with a $2.1k diminished valuation whereas my independent appraisal was for ~$10k. I summitted this appraisal and after weeks of getting the run around the gist is that USAA refuses to negotiate on DIV claims and also refuses to disclose the numbers they use to calculate it. I followed the guidance of the rep at St. Lucie to the letter and I'm at the point where I need to sue the at fault driver to recoup my losses. Problem is, I've spoken to a couple of attorneys who all have shrugged it off as being too expensive for me to recover anything and small claims maximum in Kentucky is only $2500. Any advice/experience?
TLDR; Hit by distracted driver in Kentucky causing $13.5k in damage, USAA not budging on $2.1k DIV whereas independent appraisal is $10k. Small claims maximum is $2.5k in my state and lawyers fees would end up eating away any hope of recovering more.
Two months ago I was hit pretty much head on by a distracted driver on their phone. We both had USAA insurance and both filed claims. Fortunately I was able to recover dash cam footage of the accident and was determined not liable which is important since this accident occurred in Kentucky which is a no fault state. My car suffered ~$13.5k in damage and took nearly two months to repair. After some research I landed with using St. Lucie Appraisal Company for my independent appraisal for my diminished value claim. Before disclosing this to USAA I simply just filed a DIV claim to which they sent it off to a third party, Alacrity Solutions, to avoid a conflict of interest. They came back with a $2.1k diminished valuation whereas my independent appraisal was for ~$10k. I summitted this appraisal and after weeks of getting the run around the gist is that USAA refuses to negotiate on DIV claims and also refuses to disclose the numbers they use to calculate it. I followed the guidance of the rep at St. Lucie to the letter and I'm at the point where I need to sue the at fault driver to recoup my losses. Problem is, I've spoken to a couple of attorneys who all have shrugged it off as being too expensive for me to recover anything and small claims maximum in Kentucky is only $2500. Any advice/experience?
TLDR; Hit by distracted driver in Kentucky causing $13.5k in damage, USAA not budging on $2.1k DIV whereas independent appraisal is $10k. Small claims maximum is $2.5k in my state and lawyers fees would end up eating away any hope of recovering more.