The Petty Details of Auto Claims

Justin and Jen Petty
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We are a husband/wife team and we have run our own company since 2009 helping auto accident victims, attorneys, body shops and insurance professionals with auto damage claims and property damage values. We dive deep into diminished value, total losses, the appraisal clause and loss of use but we do so much more than that. We answer your questions, talk about how to make the most of your auto claim and try to get free information out there so claims can be settled quickly and fairly. We also might goof around a bit....depends on the day :).

Episodes

  1. 09/06/2025

    Why No One Thinks They're the Bad Guys in Claims

    In this conversation, Jen and Justin delve into the complexities of auto claims, focusing on the dynamics between insurance adjusters, defense attorneys, and accident victims. They explore the cultural perceptions of 'good guys' and 'bad guys' in claims, the tactics used by insurance companies to manipulate outcomes, and the misrepresentation of case law that affects claim settlements. The discussion highlights the challenges faced by claimants and the systemic issues within the insurance industry that perpetuate these problems.

  2. 08/30/2025

    Behind the Scenes with Jen & Mika

    In this conversation, Jen and Mika discuss the intricacies of auto claims, focusing on their teamwork and recent success stories. They share specific case studies that highlight the challenges and strategies involved in negotiating with insurance companies. The emotional impact of these claims on clients is also addressed, emphasizing the importance of support during stressful times.

  3. 08/23/2025

    Diminished Value & The 17C Formula

    In this conversation, Jen and Justin delve into the complexities of diminished value claims, focusing on the 17C formula that emerged from a landmark class-action lawsuit in Georgia. They explore the origins of the formula, its application in real-world scenarios, and the challenges faced by claimants when dealing with insurance companies. Through case studies, they illustrate the discrepancies between the 17C formula and actual market values, emphasizing the importance of proper appraisal methods and market analysis in determining diminished value. The discussion concludes with practical insights and advice for individuals navigating diminished value claims.

  4. 08/16/2025

    Diminished Value Denials: The Breakdown

    In this conversation, Jen and Justin from Petty Details discuss the complexities of diminished value claims in auto insurance. They explore common denials made by insurance companies, the legal implications of these denials, and the importance of understanding the appraisal process. The discussion emphasizes the need for clear communication and logical reasoning when dealing with insurance claims, as well as the necessity of having expert appraisals to support claims for diminished value. Link to this article:  https://diminishedvalueexpert.com/diminishedvalue/dvhottopics/invalid-diminished-value-claim-denial/ Chapters 00:00 Introduction to Diminished Value Claims10:13 The Role of Expert Opinions in Diminished Value Claims17:59 Repair Status and Its Impact on Diminished Value23:28 Understanding Diminished Value Claims29:23 The Impact of Multiple Losses35:07 The Role of Carfax in Valuation

  5. 08/09/2025

    Salvage Retention with Gerald Jones

    In this episode of "Petty Details," Justin and Gerald dive into the intricate process and significant implications of retaining salvage value. Gerald shares his personal experience with a total loss claim on his Ford Edge, highlighting the challenges faced with insurance companies and the importance of persistence. The discussion uncovers the nuances of salvage retention, appraisal clauses, and the often-overlooked rights of vehicle owners. Tune in to learn how to navigate these complex situations and ensure you're not left at a disadvantage. #SalvageValue #InsuranceClaims #PersistencePaysOff

  6. 08/02/2025

    Under The Hood: The Appraisal Clause Process

    In this episode of 'Under the Hood with Petty Details', Jen and Justin delve into the intricacies of the appraisal clause, focusing on a case study involving a Lexus IS 250. Justin shares his experiences negotiating with appraisers, highlighting the challenges posed by insurance carriers and the complexities of vehicle valuation. The conversation reveals the behind-the-scenes dynamics of appraisal disputes and the influence of insurance companies on appraisers' decisions. Chapters 00:00 Introduction to the Appraisal Clause02:06 Case Study: The Lexus IS 250 Appraisal10:02 Negotiation Challenges with Appraisers12:11 The Influence of Insurance Carriers on Appraisers

  7. 07/31/2025

    Why do Insurance Companies HATE Diminished Value Claims?

    In this conversation, Jen and Justin delve into the complexities of diminished value claims in auto insurance. They discuss the challenges faced by claimants, the importance of expert appraisals, and strategies for negotiating with insurance companies. The conversation highlights the need for claimants to understand their rights and the legal landscape surrounding diminished value claims, as well as the role of credible threats in achieving fair settlements. Throughout the discussion, they emphasize the importance of being informed and prepared when dealing with insurance adjusters and the claims process. Takeaways Insurance carriers are resistant to diminished value claims.Diminished value can be calculated based on pre- and post-accident values.In most states, the at-fault party owes for diminished value.Claimants often have to accept less than the full diminished value.Understanding the claims process is crucial for successful negotiations.Claimants may need to file small claims suits for fair compensation.Expert appraisals are essential for substantiating diminished value claims.Insurance adjusters may provide misleading information about claims.Being a credible threat can lead to better settlement offers. Chapters 00:00 Understanding Diminished Value Claims02:59 Navigating Insurance Adjusters and Appraisals05:41 Filing Claims Against Your Own Insurance08:34 The Challenges of Small Claims Court11:51 The Importance of Expert Appraisals14:47 Strategies for Negotiating with Insurance Companies17:38 Real-Life Case Studies and Lessons Learned20:36 The Role of Credible Threats in Settlements23:33 Conclusion and Resources for Claimants

  8. 07/26/2025

    Diminished Value: What You Need To Know From An Expert

    The Petty Details of Auto Claims

  9. 07/14/2025

    8 Reasons Why You Can't Get Your Total Loss Settled

    In this episode, Jen and Justin discuss the complexities of total loss claims in auto insurance. They explore the challenges faced by claimants, including misunderstandings about how claims work, the role of insurance adjusters, and the importance of knowing one's insurance policy. The conversation also delves into the differences between first-party and third-party claims, the difficulties in finding legal representation, and real-life case studies that highlight the emotional toll of navigating insurance claims. The episode emphasizes the need for claimants to be informed and proactive in their dealings with insurance companies.

  10. 02/02/2024

    The Petty Details - Our Very 1st Podcast Episode!

    This is us, plain and simple! Find out more about us and how we help auto accident victims, attorneys, body shops and insurance professionals with auto claims like diminished value, total losses and loss of use and we'll tackle a whole lot more than that. There's lots of Petty Details to come so buckle up! Summary In this pilot episode of the Petty Details podcast, hosts Justin and Jen Petty introduce themselves and their expertise in auto claims consulting. They emphasize the importance of attention to detail and doing the right thing in their work. They discuss the lack of help available in the auto claims industry and their commitment to providing valuable content to their audience. They also highlight their focus on helping people and telling the truth, even if it means turning away clients. The episode concludes with plans for future episodes and a sign-off. Takeaways Attention to detail and doing the right thing are crucial in the auto claims industry.There is a lack of help available for individuals dealing with auto claims.Providing valuable content and helping people are top priorities for Justin and Jen Petty.The Petty Details podcast will feature guests and cover various topics related to auto claims.Chapters 00:00Introduction and Welcome 01:05Introducing Justin and Jen Petty 02:13Overview of Auto Claims Consulting 03:12Focus on Attention to Detail and Doing the Right Thing 04:02Lack of Help in Auto Claims 05:13Providing Valuable Content 06:22Gathering Information for Free Claim Consultations 07:21Helping People and Telling the Truth 09:02Working Together and Assisting Clients 10:37Location and Personal Background 11:59Interesting Family History 13:48Setting Goals for the Podcast 14:56Conclusion and Sign Off

  • 10 Episodes

About

We are a husband/wife team and we have run our own company since 2009 helping auto accident victims, attorneys, body shops and insurance professionals with auto damage claims and property damage values. We dive deep into diminished value, total losses, the appraisal clause and loss of use but we do so much more than that. We answer your questions, talk about how to make the most of your auto claim and try to get free information out there so claims can be settled quickly and fairly. We also might goof around a bit....depends on the day :).

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