u/Important-Oil248

I bought a brand new truck for around $27k plus taxes and fees. It’s a 2025 Chevy Colorado with only 9k miles. Unfortunately, it was hit by a drunk driver. I was able to get the plates and file a claim through their insurance.

The repair estimate is currently $15,900. Since the truck is basically brand new, I know the accident history is going to hurt the resale value even after repairs.

What’s the best way to file a diminished value claim? Has anyone gone through this before with a newer vehicle? Should I hire an independent appraiser or try to negotiate directly with the insurance company first? Any advice would help