Legal Question in Personal Injury in Tennessee

Re: automobile loss of value following repairs from an accident

Let's first sort out the things that do not matter in your question.

Unless you are dealing with your own insurance company, which has a contractual duty to pay for damages you suffered, the existance or absence of an insurance company make NO difference as to what you are entitled to, though clearly if the responsible driver has no assets to pay a judgement the insurance company makes a big difference.

And if the responsbile party paid the wrong person for the damages to YOUR vehicle, that is the problem of the responsible party and does not one cent reduce what you are owed.

For the factors generally in determining what the damages should be check my website at jesbeard.com, under the Personal Injury links.