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Diminished value and depreciation are two different things. Diminished value is the difference between your car's market value before an accident and its value after an accident once repaired. Depreciation is your vehicle's loss in value over time, which is caused by normal wear and tear.
Small business insurance for South Carolina LLCs protects your organization and its employees. For example, the law requires businesses with four or more employees to get workers' compensation insurance, which helps cover employee medical expenses if an employee becomes ill or injured because of the job.
Ing to the North Carolina Department of Insurance, a party must open a diminished value claim within 30 days after repairs. Essentially, this means that a party could be barred from bringing a diminished value claim if the claim has not been asserted promptly (within 30 days of repairs).
South Carolina is a diminished value state, which means you may be entitled to the diminished value of your vehicle after an auto accident. You can't submit a South Carolina diminished value claim if you were the at-fault party in an accident, or if the damage was caused by something other than a collision.
South Carolina's diminished value laws protect you by compensating you for this loss ahead of time. If your car was worth $25,000 before the crash and dropped to a value of $15,000 after the accident, you should receive compensation of $10,000 to make you whole.
Unfortunately, it is possible if you are sued for damages, the court finds you at fault for the car accident, and the damages exceed the value of your home.