J.D. Howard, executive director of Insurance Consumer Advocate Network, an insurance consumer advocacy organization (www.ican2000.com), Springfield, Missouri. Howard has worked in the insurance industry since 1965, mainly as an independent insurance adjuster.
If your car is in an accident, its value could plummet by as much as 35%—but there might be a way to recover that money with "diminished value" compensation from the insurer.
