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$7900 damage is a significant amount of damage, but filing a diminished value claim is usually not worth it because if they fix the vehicle then typically only $2000-$4000 would be for diminished value.
However, where they make this up is usually on the personal injury
claim. Your personal injury claim value is calculated generally like this (insurance companies use computer programs to do this, but this general calculation is fairly accurate): Add up all of your total medical expenses and time lost from work and that would be your total actual damages. Then multiply your total actual damages times a factor of anywhere of 1-4 times and that is your pain and suffering amount. You then add the pain and suffering back to the total actual damages to get the total value of your claim. Start off negotiation on the high end and work down, but any offer within the 2-3 times range would be reasonable in most cases.
The insurance company in Colorado is entitled to your medical records from the accident
and they can reasonably go back 3 years and if they want more then you can object and they have to prove good cause for wanting further medical records, but generally if your current records show your injury was indeed obviously caused by this accident they will not go back even 3 years. The only reason they go back is if there is question of re-injury of a pre-existing injury to the same area of your body.
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