If your car has been in an accident that was not your fault, you have come to the right place.

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Most likely you have come to this website because you have been in a car accident and now have questions about the value of you car going forward.  I hope you take the time to look around and learn more about the law and your options when it comes to Diminished Value.

Why does my law firm handle Diminished Value claims?

Prior to become a lawyer, I was in the automotive business.  I ran car dealerships throughout the State of Maryland.  As the appraiser for my dealership, my job was to offer fair trade-in value to the customer.  We always needed good quality used cars to sell in our dealership, and the better the offer I could make on a trade-in, the better chance I had in making a new sale.   I experienced first hand what happens when a vehicle that has been in a car accident is traded-in.

It was really simple – I would take whatever the ‘average’ book value of the car was and drop it by 40-50%.

A lot of times it was not the customer’s fault.  They were in an accident, and the vehicle was repaired.  Everything seemed ok.  What they didn’t understand was that their vehicle was now ‘damaged goods’.   A dealer like myself was required to disclose any damage and repairs that a vehicle had undergone, and we knew what that would do to the offers we would get for that vehicle.

Years later, when I finished law school, I realized that there was a chance to help people who were in accidents that were not their fault.  Sure, their car was repaired, but what about the Diminished Value.  After studying the law and going back through nearly 50 years of Maryland caselaw, I came to realize that there was a solution:

The at-fault insurance company has to pay you for your Diminished Value.

So here we are, over twenty years later.  Now you have the chance to receive full compensation for the accident you were in.  My clients have the chance to get Diminished Value checks from insurance companies that are designed to make you whole, and fully compensate you for the eventual hit you will take when it is time for you to trade in your car, truck, motorcycle, or RV.

If after a free consultation you and I agree to do business, I will have the most detailed, professional and thorough inspection possible performed on your car.  I will then prepare a report and claim that will demand that the at-fault party pay you for the inherent loss in value your car has suffered.  I will also conduct an analysis to determine if your loss of use of your vehicle has caused you financial loss as well.  I will back it up with the relevant case law, and I will aggressively pursue the other side to get you your money.  If we are not happy with the result, we will go to court.

And I back it up with the promise that you will only have to pay me if we win.

So once again, take a look around.  If you have any questions at all, call me directly at (410) 935-1800.



Nick Kosmas





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  • There is no charge for an initial consultation – call today.

  • You are obligated by law to disclose that your vehicle has been in an accident…

    what will that do to it’s value?


  • The Average Diminished Value claim is $5000.*

    *each case is unique and results may vary.


  • Having your car repaired is not enough.

  • The insurance company doesn’t want to give you Diminished Value – but you are entitled to it under the law.