Auto-Owners Insurance diminished value claims in Illinois
If a driver insured by Auto-Owners Insurance damaged your car in Illinois, you can claim the resale value it permanently lost, on top of the repair, from Auto-Owners Insurance as the liability carrier. You have 5 years from the accident (735 ILCS 5/13-205), and if they refuse, Illinois small claims court hears disputes up to $10,000.
Auto-Owners Insurance claims: 1-888-252-4626
Filing deadline
5 years
735 ILCS 5/13-205
Small claims limit
$10,000
Your fallback if they refuse
Shared fault
Modified comparative negligence (51% bar)
How Auto-Owners Insurance approaches these claims
Marked varies-by-state on the legal environment, NOT on verified carrier behaviour; confidence is low because no Auto-Owners policy language, DOI market-conduct finding, or court opinion on its DV valuation method was located. Verified context: the group writes in 26 states, and Property-Owners Insurance Company operates in Georgia, Indiana and Michigan. In Georgia, State Farm v. Mabry, 274 Ga. 498 (2001), requires insurers to assess first-party diminished value. Elsewhere DV is an ordinary third-party tort claim the claimant must prove. Treat any claim that Auto-Owners always or never pays negotiated DV as unsupported.
The Illinois rules that shape the claim
Trailmobile Div. of Pullman, Inc. v. Higgs, 12 Ill. App. 3d 323, 297 N.E.2d 598 (1st Dist. 1973) (where repaired property remains worth less than before, damages include the before-and-after market value difference in addition to reasonable repair cost). Sims v. Allstate, 851 N.E.2d 701 (2006), forecloses the first-party route.
Five years for actions to recover damages for an injury done to property, real or personal, far longer than the two-year personal-injury SOL under 735 ILCS 5/13-202. Illinois has one of the widest gaps in the country; confusing them would abandon a live DV claim three years early.
The process
Claiming against Auto-Owners Insurance in Illinois
Confirm the claim is open
You need the at-fault driver's Auto-Owners Insurance claim number. If a property damage claim has not been set up, start one on 1-888-252-4626 or through the claims portal, and note the adjuster's name.Get your number
Run the free calculator with your vehicle, the accident and the repair figures. You will see the supported diminished value figure and what the 17c formula would produce, before deciding anything.Send a documented demand
A demand letter with a valuation report, sent by certified mail with return receipt. Auto-Owners Insurance routes claims mail per-claim rather than to one public address, so take the address from your adjuster's correspondence.Hold the deadline in view
Illinois allows 5 years from the accident (735 ILCS 5/13-205) to file suit. Set the follow-up cadence so negotiation never drifts toward it.Escalate on a no
A first refusal is a position. Answer it in writing; then the Illinois Department of Insurance complaint route and small claims court (up to $10,000) are both open, inexpensive, and documented.
FAQ
Auto-Owners in Illinois
Does Auto-Owners Insurance pay diminished value claims in Illinois?
Illinois allows a not-at-fault driver to recover diminished value from the at-fault driver's liability insurer, and that applies to claims against Auto-Owners Insurance. This carrier’s handling depends heavily on the state and on whether the claim is first-party or third-party. Your state page sets out which rules apply to you.
How long do I have to file against a Auto-Owners Insurance driver in Illinois?
Illinois allows 5 years from the date of the accident for a vehicle property damage claim (735 ILCS 5/13-205). The deadline is on filing suit, not on sending a demand letter, and negotiating with an adjuster takes weeks, so start well before it.
What if Auto-Owners Insurance denies the diminished value claim?
Put the demand to the assigned claim representative in writing, then escalate to that rep's supervisor and the manager of the local claim branch handling the file. Auto-Owners runs over 100 claim offices in 26 states, so escalation is branch-level, not to a national desk; 1-888-252-4626 is the after-hours reporting line, not an escalation desk. The appraisal clause is not open to you as a third party. Then file a state DOI complaint and/or sue the at-fault driver in small claims. Beyond the carrier's own process, you can file a complaint with the Illinois Department of Insurance, and Illinois's small claims court hears claims up to $10,000, which covers most vehicle diminished value amounts.
This page combines our researched profile of Auto-Owners Insurance (reviewed 2026-07-28, confidence low) with the Illinois rules table (reviewed 2026-07-28). Full sources and citations are on the Auto-Owners Insurance page and the Illinois claim page. It is general information, not legal advice, and practices change; verify before relying on it.
Other carriers in Illinois
Auto-Owners in other states
What is your claim against Auto-Owners Insurance worth?
Free calculator, three minutes, no account. It applies your state's rules automatically.