New YorkNew York law snapshot
- Diminished value (third-party)Limited — Recoverable for new, unique, or appreciating vehicles (Franklin Corp., 2011; Rosenfield, 1988).
- Your own policy (first-party)Limited — Depends on policy language (Edwards, 1922).
- Loss of useTypically pursued against the at-fault carrier as the reasonable rental value of a comparable vehicle for your repair downtime — whether or not you rented.
Read the full New York law guide → Compare all 50 states → This snapshot is general information, not legal advice.
How we help New York drivers
- Total loss disputes — we audit the insurer's ACV report line by line and rebuild it with true local-market comparables. If the numbers don't move, we invoke your policy's appraisal clause.
- Diminished value — a signed expert report documenting what the accident history costs your car in the New York market. Flat fee, free screening first.
- Loss of use — day-by-day documentation of your downtime at local rental rates for your vehicle class.