TexasTexas law snapshot
- Diminished value (third-party)Limited — Courts treat repair and value-difference as either/or, but the TDI bulletin says liability insurers may owe third-party lost market value.
- Your own policy (first-party)Not recoverable — Schaefer (2003); TDI Bulletin B-0027-00.
- 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 Texas law guide → Compare all 50 states → This snapshot is general information, not legal advice.
How we help Texas 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 Texas market. Flat fee, free screening first.
- Loss of use — day-by-day documentation of your downtime at local rental rates for your vehicle class.