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Message: <blockquote data-quote="chris51080" data-source="post: 1812582" data-attributes="member: 57685">Just as an example, when an uninsured idiot rear ended my wife, we couldn’t collect DV from our insurance company. They fixed the car, and that was that. When an underinsured idiot hit my car, my insurance company fixed my car, and included the DV claim as part of their “bill” to the underinsured guys insurance. My car was fixed completely, and I received a pro-rated portion of the DV claim because we had reached his insurance limits. On a third occasion, with someone who actually had proper coverage, my insurance fixed my wife’s car, passed the DV claim on to the insurance of the guy who hit her, and it was paid in full. The key is that there needs to be an at fault third party for your insurance to go after. They could go after the individuals that are uninsured/underinsured, but my experience is that they don’t. They settle for some percentage and write the remainder off. Your insurance is not going to pay you for diminished value. They will pay the guy that you hit for his DV claim though.</blockquote>