Following a covered collision repair, a California insured argues that her car is now worth less on resale than before the accident because of its accident history. With respect to first-party diminished value (the loss of resale value) claimed against the insured's own physical damage carrier, California generally:

Explanation

California courts have generally held that, where an insurer pays to properly repair the vehicle to its pre-loss condition, the insurer's contract duty is satisfied; the standard PAP does not separately require the insurer to pay diminished value. Diminished value is more often pursued from the at-fault driver in a third-party claim. Some jurisdictions handle this differently, but California first-party physical damage claims generally do not include diminished value.