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    <title>The Petty Details of Auto Claims</title>
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    <description>We are a husband/wife team and we have run our own company since 2009 helping auto accident victims, attorneys, body shops and insurance professionals with auto damage claims and property damage values. We dive deep into diminished value, total losses, the appraisal clause and loss of use but we do so much more than that. We answer your questions, talk about how to make the most of your auto claim and try to get free information out there so claims can be settled quickly and fairly. We also might goof around a bit....depends on the day :).</description>
    <copyright>2025 Petty Details, LLC</copyright>
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    <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
    <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
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    <pubDate>Sat, 06 Sep 2025 09:27:14 -0500</pubDate>
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      <title>The Petty Details of Auto Claims</title>
      <link>http://diminishedvalueexpert.com</link>
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    <itunes:author>Justin and Jen Petty</itunes:author>
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    <itunes:summary>We are a husband/wife team and we have run our own company since 2009 helping auto accident victims, attorneys, body shops and insurance professionals with auto damage claims and property damage values. We dive deep into diminished value, total losses, the appraisal clause and loss of use but we do so much more than that. We answer your questions, talk about how to make the most of your auto claim and try to get free information out there so claims can be settled quickly and fairly. We also might goof around a bit....depends on the day :).</itunes:summary>
    <itunes:subtitle>We are a husband/wife team and we have run our own company since 2009 helping auto accident victims, attorneys, body shops and insurance professionals with auto damage claims and property damage values.</itunes:subtitle>
    <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
    <itunes:owner>
      <itunes:name>Petty Details Appraisal Services</itunes:name>
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    <itunes:complete>No</itunes:complete>
    <itunes:explicit>No</itunes:explicit>
    <item>
      <title>Why No One Thinks They're the Bad Guys in Claims</title>
      <itunes:episode>10</itunes:episode>
      <podcast:episode>10</podcast:episode>
      <itunes:title>Why No One Thinks They're the Bad Guys in Claims</itunes:title>
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        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of auto claims, focusing on the dynamics between insurance adjusters, defense attorneys, and accident victims. They explore the cultural perceptions of 'good guys' and 'bad guys' in claims, the tactics used by insurance companies to manipulate outcomes, and the misrepresentation of case law that affects claim settlements. The discussion highlights the challenges faced by claimants and the systemic issues within the insurance industry that perpetuate these problems.<br></p>]]>
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        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of auto claims, focusing on the dynamics between insurance adjusters, defense attorneys, and accident victims. They explore the cultural perceptions of 'good guys' and 'bad guys' in claims, the tactics used by insurance companies to manipulate outcomes, and the misrepresentation of case law that affects claim settlements. The discussion highlights the challenges faced by claimants and the systemic issues within the insurance industry that perpetuate these problems.<br></p>]]>
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      <pubDate>Sat, 06 Sep 2025 09:27:14 -0500</pubDate>
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      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>1090</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of auto claims, focusing on the dynamics between insurance adjusters, defense attorneys, and accident victims. They explore the cultural perceptions of 'good guys' and 'bad guys' in claims, the tactics used by insurance companies to manipulate outcomes, and the misrepresentation of case law that affects claim settlements. The discussion highlights the challenges faced by claimants and the systemic issues within the insurance industry that perpetuate these problems.<br></p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
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    <item>
      <title>Behind the Scenes with Jen &amp; Mika</title>
      <itunes:episode>9</itunes:episode>
      <podcast:episode>9</podcast:episode>
      <itunes:title>Behind the Scenes with Jen &amp; Mika</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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        <![CDATA[<p>In this conversation, Jen and Mika discuss the intricacies of auto claims, focusing on their teamwork and recent success stories. They share specific case studies that highlight the challenges and strategies involved in negotiating with insurance companies. The emotional impact of these claims on clients is also addressed, emphasizing the importance of support during stressful times.<br></p>]]>
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        <![CDATA[<p>In this conversation, Jen and Mika discuss the intricacies of auto claims, focusing on their teamwork and recent success stories. They share specific case studies that highlight the challenges and strategies involved in negotiating with insurance companies. The emotional impact of these claims on clients is also addressed, emphasizing the importance of support during stressful times.<br></p>]]>
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      <pubDate>Sat, 30 Aug 2025 09:00:00 -0500</pubDate>
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      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>898</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this conversation, Jen and Mika discuss the intricacies of auto claims, focusing on their teamwork and recent success stories. They share specific case studies that highlight the challenges and strategies involved in negotiating with insurance companies. The emotional impact of these claims on clients is also addressed, emphasizing the importance of support during stressful times.<br></p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
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    <item>
      <title>Diminished Value &amp; The 17C Formula</title>
      <itunes:episode>8</itunes:episode>
      <podcast:episode>8</podcast:episode>
      <itunes:title>Diminished Value &amp; The 17C Formula</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/2a43b00e</link>
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        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of diminished value claims, focusing on the 17C formula that emerged from a landmark class-action lawsuit in Georgia. They explore the origins of the formula, its application in real-world scenarios, and the challenges faced by claimants when dealing with insurance companies. Through case studies, they illustrate the discrepancies between the 17C formula and actual market values, emphasizing the importance of proper appraisal methods and market analysis in determining diminished value. The discussion concludes with practical insights and advice for individuals navigating diminished value claims.<br></p>]]>
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        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of diminished value claims, focusing on the 17C formula that emerged from a landmark class-action lawsuit in Georgia. They explore the origins of the formula, its application in real-world scenarios, and the challenges faced by claimants when dealing with insurance companies. Through case studies, they illustrate the discrepancies between the 17C formula and actual market values, emphasizing the importance of proper appraisal methods and market analysis in determining diminished value. The discussion concludes with practical insights and advice for individuals navigating diminished value claims.<br></p>]]>
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      <pubDate>Sat, 23 Aug 2025 09:00:00 -0500</pubDate>
      <author>Justin and Jen Petty</author>
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      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>2775</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of diminished value claims, focusing on the 17C formula that emerged from a landmark class-action lawsuit in Georgia. They explore the origins of the formula, its application in real-world scenarios, and the challenges faced by claimants when dealing with insurance companies. Through case studies, they illustrate the discrepancies between the 17C formula and actual market values, emphasizing the importance of proper appraisal methods and market analysis in determining diminished value. The discussion concludes with practical insights and advice for individuals navigating diminished value claims.<br></p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
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    <item>
      <title>Diminished Value Denials: The Breakdown</title>
      <itunes:episode>7</itunes:episode>
      <podcast:episode>7</podcast:episode>
      <itunes:title>Diminished Value Denials: The Breakdown</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <description>
        <![CDATA[<p>In this conversation, Jen and Justin from Petty Details discuss the complexities of diminished value claims in auto insurance. They explore common denials made by insurance companies, the legal implications of these denials, and the importance of understanding the appraisal process. The discussion emphasizes the need for clear communication and logical reasoning when dealing with insurance claims, as well as the necessity of having expert appraisals to support claims for diminished value.</p><p>Link to this article:  https://diminishedvalueexpert.com/diminishedvalue/dvhottopics/invalid-diminished-value-claim-denial/</p><p>Chapters</p><p>00:00 Introduction to Diminished Value Claims<br>10:13 The Role of Expert Opinions in Diminished Value Claims<br>17:59 Repair Status and Its Impact on Diminished Value<br>23:28 Understanding Diminished Value Claims<br>29:23 The Impact of Multiple Losses<br>35:07 The Role of Carfax in Valuation</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this conversation, Jen and Justin from Petty Details discuss the complexities of diminished value claims in auto insurance. They explore common denials made by insurance companies, the legal implications of these denials, and the importance of understanding the appraisal process. The discussion emphasizes the need for clear communication and logical reasoning when dealing with insurance claims, as well as the necessity of having expert appraisals to support claims for diminished value.</p><p>Link to this article:  https://diminishedvalueexpert.com/diminishedvalue/dvhottopics/invalid-diminished-value-claim-denial/</p><p>Chapters</p><p>00:00 Introduction to Diminished Value Claims<br>10:13 The Role of Expert Opinions in Diminished Value Claims<br>17:59 Repair Status and Its Impact on Diminished Value<br>23:28 Understanding Diminished Value Claims<br>29:23 The Impact of Multiple Losses<br>35:07 The Role of Carfax in Valuation</p>]]>
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      <pubDate>Sat, 16 Aug 2025 10:30:04 -0500</pubDate>
      <author>Justin and Jen Petty</author>
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      <itunes:summary>
        <![CDATA[<p>In this conversation, Jen and Justin from Petty Details discuss the complexities of diminished value claims in auto insurance. They explore common denials made by insurance companies, the legal implications of these denials, and the importance of understanding the appraisal process. The discussion emphasizes the need for clear communication and logical reasoning when dealing with insurance claims, as well as the necessity of having expert appraisals to support claims for diminished value.</p><p>Link to this article:  https://diminishedvalueexpert.com/diminishedvalue/dvhottopics/invalid-diminished-value-claim-denial/</p><p>Chapters</p><p>00:00 Introduction to Diminished Value Claims<br>10:13 The Role of Expert Opinions in Diminished Value Claims<br>17:59 Repair Status and Its Impact on Diminished Value<br>23:28 Understanding Diminished Value Claims<br>29:23 The Impact of Multiple Losses<br>35:07 The Role of Carfax in Valuation</p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
    </item>
    <item>
      <title>Salvage Retention with Gerald Jones</title>
      <itunes:episode>6</itunes:episode>
      <podcast:episode>6</podcast:episode>
      <itunes:title>Salvage Retention with Gerald Jones</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/da1e8204</link>
      <description>
        <![CDATA[<p>In this episode of "Petty Details," Justin and Gerald dive into the intricate process and significant implications of retaining salvage value. Gerald shares his personal experience with a total loss claim on his Ford Edge, highlighting the challenges faced with insurance companies and the importance of persistence. The discussion uncovers the nuances of salvage retention, appraisal clauses, and the often-overlooked rights of vehicle owners. Tune in to learn how to navigate these complex situations and ensure you're not left at a disadvantage. #SalvageValue #InsuranceClaims #PersistencePaysOff</p>]]>
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      <content:encoded>
        <![CDATA[<p>In this episode of "Petty Details," Justin and Gerald dive into the intricate process and significant implications of retaining salvage value. Gerald shares his personal experience with a total loss claim on his Ford Edge, highlighting the challenges faced with insurance companies and the importance of persistence. The discussion uncovers the nuances of salvage retention, appraisal clauses, and the often-overlooked rights of vehicle owners. Tune in to learn how to navigate these complex situations and ensure you're not left at a disadvantage. #SalvageValue #InsuranceClaims #PersistencePaysOff</p>]]>
      </content:encoded>
      <pubDate>Sat, 09 Aug 2025 09:00:00 -0500</pubDate>
      <author>Justin and Jen Petty</author>
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      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>2193</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this episode of "Petty Details," Justin and Gerald dive into the intricate process and significant implications of retaining salvage value. Gerald shares his personal experience with a total loss claim on his Ford Edge, highlighting the challenges faced with insurance companies and the importance of persistence. The discussion uncovers the nuances of salvage retention, appraisal clauses, and the often-overlooked rights of vehicle owners. Tune in to learn how to navigate these complex situations and ensure you're not left at a disadvantage. #SalvageValue #InsuranceClaims #PersistencePaysOff</p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
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    <item>
      <title>Under The Hood: The Appraisal Clause Process</title>
      <itunes:episode>5</itunes:episode>
      <podcast:episode>5</podcast:episode>
      <itunes:title>Under The Hood: The Appraisal Clause Process</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/73cfcbfc</link>
      <description>
        <![CDATA[<p>In this episode of 'Under the Hood with Petty Details', Jen and Justin delve into the intricacies of the appraisal clause, focusing on a case study involving a Lexus IS 250. Justin shares his experiences negotiating with appraisers, highlighting the challenges posed by insurance carriers and the complexities of vehicle valuation. The conversation reveals the behind-the-scenes dynamics of appraisal disputes and the influence of insurance companies on appraisers' decisions.</p><p>Chapters</p><p>00:00 Introduction to the Appraisal Clause<br>02:06 Case Study: The Lexus IS 250 Appraisal<br>10:02 Negotiation Challenges with Appraisers<br>12:11 The Influence of Insurance Carriers on Appraisers</p>]]>
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        <![CDATA[<p>In this episode of 'Under the Hood with Petty Details', Jen and Justin delve into the intricacies of the appraisal clause, focusing on a case study involving a Lexus IS 250. Justin shares his experiences negotiating with appraisers, highlighting the challenges posed by insurance carriers and the complexities of vehicle valuation. The conversation reveals the behind-the-scenes dynamics of appraisal disputes and the influence of insurance companies on appraisers' decisions.</p><p>Chapters</p><p>00:00 Introduction to the Appraisal Clause<br>02:06 Case Study: The Lexus IS 250 Appraisal<br>10:02 Negotiation Challenges with Appraisers<br>12:11 The Influence of Insurance Carriers on Appraisers</p>]]>
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      <pubDate>Sat, 02 Aug 2025 09:00:00 -0500</pubDate>
      <author>Justin and Jen Petty</author>
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      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>733</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this episode of 'Under the Hood with Petty Details', Jen and Justin delve into the intricacies of the appraisal clause, focusing on a case study involving a Lexus IS 250. Justin shares his experiences negotiating with appraisers, highlighting the challenges posed by insurance carriers and the complexities of vehicle valuation. The conversation reveals the behind-the-scenes dynamics of appraisal disputes and the influence of insurance companies on appraisers' decisions.</p><p>Chapters</p><p>00:00 Introduction to the Appraisal Clause<br>02:06 Case Study: The Lexus IS 250 Appraisal<br>10:02 Negotiation Challenges with Appraisers<br>12:11 The Influence of Insurance Carriers on Appraisers</p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
    </item>
    <item>
      <title>Why do Insurance Companies HATE Diminished Value Claims?</title>
      <itunes:episode>4</itunes:episode>
      <podcast:episode>4</podcast:episode>
      <itunes:title>Why do Insurance Companies HATE Diminished Value Claims?</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <description>
        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of diminished value claims in auto insurance. They discuss the challenges faced by claimants, the importance of expert appraisals, and strategies for negotiating with insurance companies. The conversation highlights the need for claimants to understand their rights and the legal landscape surrounding diminished value claims, as well as the role of credible threats in achieving fair settlements. Throughout the discussion, they emphasize the importance of being informed and prepared when dealing with insurance adjusters and the claims process.</p><p>Takeaways</p><p>Insurance carriers are resistant to diminished value claims.<br>Diminished value can be calculated based on pre- and post-accident values.<br>In most states, the at-fault party owes for diminished value.<br>Claimants often have to accept less than the full diminished value.<br>Understanding the claims process is crucial for successful negotiations.<br>Claimants may need to file small claims suits for fair compensation.<br>Expert appraisals are essential for substantiating diminished value claims.<br>Insurance adjusters may provide misleading information about claims.<br>Being a credible threat can lead to better settlement offers.</p><p>Chapters</p><p><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI">00:00</a> Understanding Diminished Value Claims<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=179s">02:59</a> Navigating Insurance Adjusters and Appraisals<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=341s">05:41</a> Filing Claims Against Your Own Insurance<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=514s">08:34</a> The Challenges of Small Claims Court<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=711s">11:51</a> The Importance of Expert Appraisals<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=887s">14:47</a> Strategies for Negotiating with Insurance Companies<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1058s">17:38</a> Real-Life Case Studies and Lessons Learned<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1236s">20:36</a> The Role of Credible Threats in Settlements<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1413s">23:33</a> Conclusion and Resources for Claimants</p><p><br></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of diminished value claims in auto insurance. They discuss the challenges faced by claimants, the importance of expert appraisals, and strategies for negotiating with insurance companies. The conversation highlights the need for claimants to understand their rights and the legal landscape surrounding diminished value claims, as well as the role of credible threats in achieving fair settlements. Throughout the discussion, they emphasize the importance of being informed and prepared when dealing with insurance adjusters and the claims process.</p><p>Takeaways</p><p>Insurance carriers are resistant to diminished value claims.<br>Diminished value can be calculated based on pre- and post-accident values.<br>In most states, the at-fault party owes for diminished value.<br>Claimants often have to accept less than the full diminished value.<br>Understanding the claims process is crucial for successful negotiations.<br>Claimants may need to file small claims suits for fair compensation.<br>Expert appraisals are essential for substantiating diminished value claims.<br>Insurance adjusters may provide misleading information about claims.<br>Being a credible threat can lead to better settlement offers.</p><p>Chapters</p><p><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI">00:00</a> Understanding Diminished Value Claims<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=179s">02:59</a> Navigating Insurance Adjusters and Appraisals<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=341s">05:41</a> Filing Claims Against Your Own Insurance<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=514s">08:34</a> The Challenges of Small Claims Court<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=711s">11:51</a> The Importance of Expert Appraisals<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=887s">14:47</a> Strategies for Negotiating with Insurance Companies<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1058s">17:38</a> Real-Life Case Studies and Lessons Learned<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1236s">20:36</a> The Role of Credible Threats in Settlements<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1413s">23:33</a> Conclusion and Resources for Claimants</p><p><br></p>]]>
      </content:encoded>
      <pubDate>Thu, 31 Jul 2025 10:42:10 -0500</pubDate>
      <author>Justin and Jen Petty</author>
      <enclosure url="https://media.transistor.fm/99053b57/ff986592.mp3" length="23342782" type="audio/mpeg"/>
      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>1458</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this conversation, Jen and Justin delve into the complexities of diminished value claims in auto insurance. They discuss the challenges faced by claimants, the importance of expert appraisals, and strategies for negotiating with insurance companies. The conversation highlights the need for claimants to understand their rights and the legal landscape surrounding diminished value claims, as well as the role of credible threats in achieving fair settlements. Throughout the discussion, they emphasize the importance of being informed and prepared when dealing with insurance adjusters and the claims process.</p><p>Takeaways</p><p>Insurance carriers are resistant to diminished value claims.<br>Diminished value can be calculated based on pre- and post-accident values.<br>In most states, the at-fault party owes for diminished value.<br>Claimants often have to accept less than the full diminished value.<br>Understanding the claims process is crucial for successful negotiations.<br>Claimants may need to file small claims suits for fair compensation.<br>Expert appraisals are essential for substantiating diminished value claims.<br>Insurance adjusters may provide misleading information about claims.<br>Being a credible threat can lead to better settlement offers.</p><p>Chapters</p><p><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI">00:00</a> Understanding Diminished Value Claims<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=179s">02:59</a> Navigating Insurance Adjusters and Appraisals<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=341s">05:41</a> Filing Claims Against Your Own Insurance<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=514s">08:34</a> The Challenges of Small Claims Court<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=711s">11:51</a> The Importance of Expert Appraisals<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=887s">14:47</a> Strategies for Negotiating with Insurance Companies<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1058s">17:38</a> Real-Life Case Studies and Lessons Learned<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1236s">20:36</a> The Role of Credible Threats in Settlements<br><a href="https://www.youtube.com/watch?v=xX8vAWsnwQI&amp;t=1413s">23:33</a> Conclusion and Resources for Claimants</p><p><br></p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
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      <title>Diminished Value: What You Need To Know From An Expert</title>
      <itunes:episode>3</itunes:episode>
      <podcast:episode>3</podcast:episode>
      <itunes:title>Diminished Value: What You Need To Know From An Expert</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
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      <link>https://share.transistor.fm/s/eb4f7d2e</link>
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        <![CDATA[]]>
      </description>
      <content:encoded>
        <![CDATA[]]>
      </content:encoded>
      <pubDate>Sat, 26 Jul 2025 09:00:00 -0500</pubDate>
      <author>Justin and Jen Petty</author>
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      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>1458</itunes:duration>
      <itunes:summary>
        <![CDATA[]]>
      </itunes:summary>
      <itunes:keywords>diminished value, auto claims, not at fault accident, diminshed value, auto accident, auto repair, small claims court</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
    </item>
    <item>
      <title>8 Reasons Why You Can't Get Your Total Loss Settled</title>
      <itunes:episode>2</itunes:episode>
      <podcast:episode>2</podcast:episode>
      <itunes:title>8 Reasons Why You Can't Get Your Total Loss Settled</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">9984ba86-24e8-486b-9af2-556e27dfd6f0</guid>
      <link>https://share.transistor.fm/s/54d3051d</link>
      <description>
        <![CDATA[<p>In this episode, Jen and Justin discuss the complexities of total loss claims in auto insurance. They explore the challenges faced by claimants, including misunderstandings about how claims work, the role of insurance adjusters, and the importance of knowing one's insurance policy. The conversation also delves into the differences between first-party and third-party claims, the difficulties in finding legal representation, and real-life case studies that highlight the emotional toll of navigating insurance claims. The episode emphasizes the need for claimants to be informed and proactive in their dealings with insurance companies.<br></p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>In this episode, Jen and Justin discuss the complexities of total loss claims in auto insurance. They explore the challenges faced by claimants, including misunderstandings about how claims work, the role of insurance adjusters, and the importance of knowing one's insurance policy. The conversation also delves into the differences between first-party and third-party claims, the difficulties in finding legal representation, and real-life case studies that highlight the emotional toll of navigating insurance claims. The episode emphasizes the need for claimants to be informed and proactive in their dealings with insurance companies.<br></p>]]>
      </content:encoded>
      <pubDate>Mon, 14 Jul 2025 13:48:04 -0500</pubDate>
      <author>Justin and Jen Petty</author>
      <enclosure url="https://media.transistor.fm/54d3051d/0e681228.mp3" length="29656897" type="audio/mpeg"/>
      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>1852</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>In this episode, Jen and Justin discuss the complexities of total loss claims in auto insurance. They explore the challenges faced by claimants, including misunderstandings about how claims work, the role of insurance adjusters, and the importance of knowing one's insurance policy. The conversation also delves into the differences between first-party and third-party claims, the difficulties in finding legal representation, and real-life case studies that highlight the emotional toll of navigating insurance claims. The episode emphasizes the need for claimants to be informed and proactive in their dealings with insurance companies.<br></p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, total loss, appraisal clause, auto accident, insurance claims</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
      <podcast:transcript url="https://share.transistor.fm/s/54d3051d/transcript.txt" type="text/plain"/>
    </item>
    <item>
      <title>The Petty Details - Our Very 1st Podcast Episode!</title>
      <itunes:episode>1</itunes:episode>
      <podcast:episode>1</podcast:episode>
      <itunes:title>The Petty Details - Our Very 1st Podcast Episode!</itunes:title>
      <itunes:episodeType>full</itunes:episodeType>
      <guid isPermaLink="false">ecb3ca81-9983-4408-aad2-2d91007528b9</guid>
      <link>https://share.transistor.fm/s/2d4ee99b</link>
      <description>
        <![CDATA[<p>This is us, plain and simple! Find out more about us and how we help auto accident victims, attorneys, body shops and insurance professionals with auto claims like diminished value, total losses and loss of use and we'll tackle a whole lot more than that. There's lots of Petty Details to come so buckle up!</p><p><strong>Summary</strong></p><p>In this pilot episode of the Petty Details podcast, hosts Justin and Jen Petty introduce themselves and their expertise in auto claims consulting. They emphasize the importance of attention to detail and doing the right thing in their work. They discuss the lack of help available in the auto claims industry and their commitment to providing valuable content to their audience. They also highlight their focus on helping people and telling the truth, even if it means turning away clients. The episode concludes with plans for future episodes and a sign-off.</p><p><br><strong>Takeaways</strong></p><ul><li>Attention to detail and doing the right thing are crucial in the auto claims industry.</li><li>There is a lack of help available for individuals dealing with auto claims.</li><li>Providing valuable content and helping people are top priorities for Justin and Jen Petty.</li><li>The Petty Details podcast will feature guests and cover various topics related to auto claims.</li></ul><p><strong>Chapters</strong></p><p>00:00<br>Introduction and Welcome</p><p>01:05<br>Introducing Justin and Jen Petty</p><p>02:13<br>Overview of Auto Claims Consulting</p><p>03:12<br>Focus on Attention to Detail and Doing the Right Thing</p><p>04:02<br>Lack of Help in Auto Claims</p><p>05:13<br>Providing Valuable Content</p><p>06:22<br>Gathering Information for Free Claim Consultations</p><p>07:21<br>Helping People and Telling the Truth</p><p>09:02<br>Working Together and Assisting Clients</p><p>10:37<br>Location and Personal Background</p><p>11:59<br>Interesting Family History</p><p>13:48<br>Setting Goals for the Podcast</p><p>14:56<br>Conclusion and Sign Off</p>]]>
      </description>
      <content:encoded>
        <![CDATA[<p>This is us, plain and simple! Find out more about us and how we help auto accident victims, attorneys, body shops and insurance professionals with auto claims like diminished value, total losses and loss of use and we'll tackle a whole lot more than that. There's lots of Petty Details to come so buckle up!</p><p><strong>Summary</strong></p><p>In this pilot episode of the Petty Details podcast, hosts Justin and Jen Petty introduce themselves and their expertise in auto claims consulting. They emphasize the importance of attention to detail and doing the right thing in their work. They discuss the lack of help available in the auto claims industry and their commitment to providing valuable content to their audience. They also highlight their focus on helping people and telling the truth, even if it means turning away clients. The episode concludes with plans for future episodes and a sign-off.</p><p><br><strong>Takeaways</strong></p><ul><li>Attention to detail and doing the right thing are crucial in the auto claims industry.</li><li>There is a lack of help available for individuals dealing with auto claims.</li><li>Providing valuable content and helping people are top priorities for Justin and Jen Petty.</li><li>The Petty Details podcast will feature guests and cover various topics related to auto claims.</li></ul><p><strong>Chapters</strong></p><p>00:00<br>Introduction and Welcome</p><p>01:05<br>Introducing Justin and Jen Petty</p><p>02:13<br>Overview of Auto Claims Consulting</p><p>03:12<br>Focus on Attention to Detail and Doing the Right Thing</p><p>04:02<br>Lack of Help in Auto Claims</p><p>05:13<br>Providing Valuable Content</p><p>06:22<br>Gathering Information for Free Claim Consultations</p><p>07:21<br>Helping People and Telling the Truth</p><p>09:02<br>Working Together and Assisting Clients</p><p>10:37<br>Location and Personal Background</p><p>11:59<br>Interesting Family History</p><p>13:48<br>Setting Goals for the Podcast</p><p>14:56<br>Conclusion and Sign Off</p>]]>
      </content:encoded>
      <pubDate>Fri, 02 Feb 2024 06:00:00 -0600</pubDate>
      <author>Justin and Jen Petty</author>
      <enclosure url="https://media.transistor.fm/2d4ee99b/ccec3b95.mp3" length="14777993" type="audio/mpeg"/>
      <itunes:author>Justin and Jen Petty</itunes:author>
      <itunes:duration>922</itunes:duration>
      <itunes:summary>
        <![CDATA[<p>This is us, plain and simple! Find out more about us and how we help auto accident victims, attorneys, body shops and insurance professionals with auto claims like diminished value, total losses and loss of use and we'll tackle a whole lot more than that. There's lots of Petty Details to come so buckle up!</p><p><strong>Summary</strong></p><p>In this pilot episode of the Petty Details podcast, hosts Justin and Jen Petty introduce themselves and their expertise in auto claims consulting. They emphasize the importance of attention to detail and doing the right thing in their work. They discuss the lack of help available in the auto claims industry and their commitment to providing valuable content to their audience. They also highlight their focus on helping people and telling the truth, even if it means turning away clients. The episode concludes with plans for future episodes and a sign-off.</p><p><br><strong>Takeaways</strong></p><ul><li>Attention to detail and doing the right thing are crucial in the auto claims industry.</li><li>There is a lack of help available for individuals dealing with auto claims.</li><li>Providing valuable content and helping people are top priorities for Justin and Jen Petty.</li><li>The Petty Details podcast will feature guests and cover various topics related to auto claims.</li></ul><p><strong>Chapters</strong></p><p>00:00<br>Introduction and Welcome</p><p>01:05<br>Introducing Justin and Jen Petty</p><p>02:13<br>Overview of Auto Claims Consulting</p><p>03:12<br>Focus on Attention to Detail and Doing the Right Thing</p><p>04:02<br>Lack of Help in Auto Claims</p><p>05:13<br>Providing Valuable Content</p><p>06:22<br>Gathering Information for Free Claim Consultations</p><p>07:21<br>Helping People and Telling the Truth</p><p>09:02<br>Working Together and Assisting Clients</p><p>10:37<br>Location and Personal Background</p><p>11:59<br>Interesting Family History</p><p>13:48<br>Setting Goals for the Podcast</p><p>14:56<br>Conclusion and Sign Off</p>]]>
      </itunes:summary>
      <itunes:keywords>auto claims, diminished value, total loss, appraisal clause, loss of use, property damage, car wreck, expert witness</itunes:keywords>
      <itunes:explicit>No</itunes:explicit>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/t11PyWoQXN9V99XLPc75ihUxbbBWuh-MLIc_qbHz_VY/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS84MjQy/YzFlYjU5YzMzYjdh/M2E1YTk2MTFkNjIz/OTAzYy5qcGc.jpg">Justin Petty</podcast:person>
      <podcast:person role="Host" href="https://diminishedvalueexpert.com" img="https://img.transistor.fm/PVZpKTaVW_MNkIehkAXhYA5rMhPTZ6s7h6s1UlyzHSE/rs:fill:0:0:1/w:800/h:800/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8wMjZk/OTJmOWI1ZDZkZDFk/N2U0YzBkNzk1NTk2/Y2NlNy5qcGc.jpg">Jen Petty</podcast:person>
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