Can I file a diminished value claim against my own insurer in Idaho?

No — Idaho limits DV recovery to third-party claims against the at-fault driver's insurer.

Does Idaho use comparative or contributory negligence?

Idaho uses the Modified comparative rule.

IDAHO (ID)

Idaho Diminished Value Claim — Recover $2,500 – $10,000

Idaho is a Modified comparative state with a 3 years for property damage. DV recovery is available against the at-fault driver's insurer. USPAP-compliant appraisal report delivered in 24 hours.

Get Your Free Estimate Order DV Report — $249

Fault Rule

Modified comparative

Statute of Limitations

3 years for property damage

Typical Recovery

$2,500 – $10,000

Small Claims Limit

$5,000

Idaho Diminished Value Law — What You Need To Know

Boise's rapid population growth has tightened the used-truck market — Tacomas, F-150s, and 4Runners hold value strongly, which amplifies DV when wrecked. Rural Idaho dealers price more conservatively; venue choice matters.

Statute citation

Idaho Code §5-218

Landmark case

Vannoy v. Uniroyal Tire (Idaho 1985) — DV is part of compensable damages.

First-party DV

❌ Not available

Third-party DV

✅ Allowed

Appraisal clause

Standard in most policies

Small claims limit

$5,000

Idaho Filing Tip

Run comps from Boise or Treasure Valley dealers even on a rural claim — these reflect the market a buyer would actually face.

What Drives DV Settlements in Idaho

Comparable sales of similar wreck-free vehicles in the same regional market, paired with a USPAP-compliant report citing repair severity and structural damage.

How to File a DV Claim in Idaho

1
Complete repairs at a licensed body shop and obtain a complete itemized repair invoice with all OEM/aftermarket part designations.
2
Order a USPAP-compliant diminished value appraisal report grounded in Boise-area comparable sales (TOP-DV delivers within 24 hours for $249).
3
Submit a written demand to the at-fault driver's insurer with the appraisal attached, citing Idaho Code §5-218 and Vannoy v. Uniroyal Tire (Idaho 1985).
4
If the carrier refuses or counters low, invoke the appraisal clause in writing.
5
Settlement typically reached within 4-10 weeks once a credible appraisal is on file.

Escalation: Idaho Department of Insurance

File a complaint with Idaho Department of Insurance

https://doi.idaho.gov/consumeraffairs/

If the at-fault carrier refuses to negotiate after receiving a USPAP-compliant appraisal, file simultaneously with the state DOI — this regulatory pressure routinely accelerates settlement.