Came into to post regarding DV. Differs from state to state and you won't be able to go through your own insurance company for this. As noted, after the vehicle is repaired, you can have any one of a number of companies do a Diminished Value report. Generally, you're looking at about 25% of your pre-wreck value. Not saying you will get that much, but that's what you will probably start negotiating for. Recently, I started at $14,000 for a DV claim. Insurance company started at $2700. We just settled at $11,500. I paid $299 for the original DV report and then did all the negotiating myself. Typically you wouldn't need an attorney to negotiate unless you really hit a wall.