Specialized Claims Synergy Proprietary Evaluation
A More Defensible Way to Measure Diminished Value.
SCS-MIDM™ — the SCS Market Impact Diminution Model™ — is Specialized Claims Synergy's proprietary, evidence-weighted methodology for evaluating post-repair market loss.
Instead of relying on a single generic multiplier, SCS-MIDM evaluates the actual vehicle, documented repair severity, structural and safety-system involvement, market sensitivity, age and mileage, disclosure impact, repair burden, and available market evidence.
Request an SCS-MIDM™ AnalysisBuilt for Defensible Claim Evaluation
Diminished value is a market question. SCS-MIDM provides a structured way to translate repair history and buyer impact into a documented appraisal opinion.
Structured Analysis
Key loss characteristics are evaluated using consistent internal criteria, allowing SCS to document the reasoning behind each diminished value opinion.
Market Corroboration
Where available, SCS reviews clean-history listings, accident-history market evidence, dealer bids, transaction data, specialty-market results, and other relevant indicators.
Reasonableness Testing
The final opinion is compared with the pre-loss market value, repair burden, vehicle type, age, mileage, and documented repair severity before it is finalized.
From Loss Documentation to Final Opinion
The SCS-MIDM™ Framework
SCS-MIDM uses a proprietary, vehicle-specific evaluation process rather than relying solely on repair cost or a generic diminished value percentage.
The SCS-MIDM™ methodology evaluates multiple factors that can influence how a repaired vehicle is viewed in the open market. Each factor is considered within the context of the specific vehicle, loss, repair history, and available market evidence.
Useful Across a Broad Range of Diminished Value Assignments
Insurance Carriers & TPAs
Independent review of claimant demands, subrogation files, and disputed diminished value claims.
Attorneys & Claims Professionals
A documented methodology that clearly explains how vehicle-specific market impact was evaluated.
Specialty & High-Value Vehicles
Vehicle-market sensitivity can be differentiated for mainstream, luxury, performance, collector, commercial, and specialty vehicles.
Proprietary Methodology Notice
The SCS Market Impact Diminution Model™ (SCS-MIDM), including its methodology, internal scoring criteria, weighting structure, calculation framework, vehicle classifications, confidence evaluation, market-adjustment process, worksheets, report architecture, calibration procedures, and supporting written materials, is proprietary to Specialized Claims Synergy. No individual or entity may copy, reproduce, distribute, publish, adapt, disclose, reverse engineer, derive a competing methodology from, incorporate into another valuation system, or use any non-public portion of SCS-MIDM without the prior written permission of Specialized Claims Synergy. Unauthorized use or reproduction is prohibited. All rights are reserved to the extent provided by applicable law.
SCS-MIDM™ Diminished Value Reports
Is SCS-MIDM based only on the repair cost?
No. Repair burden is only one consideration. The methodology also evaluates damage scope, structural and safety-system involvement, disclosure persistence, age and mileage, vehicle-market sensitivity, and available market evidence.
Does SCS-MIDM use the same percentage for every vehicle?
No. A low-mileage performance vehicle, a mainstream sedan, a collector car, and a high-mileage commercial pickup can react very differently to the same accident history. SCS-MIDM is designed to account for those differences.
Can SCS review another appraiser's diminished value demand?
Yes. SCS can review the opposing report, repair estimate, supplements, photographs, market evidence, and other available documentation and provide an independent diminished value opinion.
Is SCS-MIDM a court-approved formula?
No. SCS-MIDM is a proprietary structured appraisal methodology developed by Specialized Claims Synergy. SCS does not represent it as a judicially approved, statutory, or industry-standard formula. Final opinions remain subject to the evidence, applicable jurisdiction, market conditions, and professional appraisal judgment.
Does SCS disclose its complete internal calculation methodology?
No. SCS provides sufficient information to explain the basis of its appraisal opinion, while certain internal scoring, weighting, calibration, and calculation procedures remain proprietary to Specialized Claims Synergy.
Need a Defensible Diminished Value Analysis?
Specialized Claims Synergy provides independent diminished value analysis for insurance carriers, TPAs, attorneys, claims professionals, specialty programs, and other qualified clients nationwide.
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