Texas Diminished Value & Total Loss Resources
- Tex. Civ. Prac. & Rem. Code §16.003 — 2-year statute of limitations for personal property damage in Texas.
- Tex. Ins. Code Ch. 542 — Texas Prompt Payment of Claims Act.
- Form 14-128 — Texas Used Motor Vehicle Certified Appraisal Form (Standard Presumptive Value).
- Texas Justice Court limit: $20,000.
What to Have Ready Before Calling
- Police / accident report
- Repair estimate(s)
- Insurer's valuation (CCC, Mitchell, or Audatex print-out)
- Photos of the vehicle pre- and post-repair if possible
- Carfax / AutoCheck report if you have one