Claims Management
Report (CMR)
See exactly what a professional CMR looks like before you generate yours. Real structure, real calculations, real demand letter.
2021 Porsche 911 Carrera S PDK Coupé
GT Silver Metallic · GK21 NRF
Diminution Claimed
£14,040
Representative vehicle imageVehicle Diminution in Value
Claims Management Report
Professional CMR · Insurer-Ready · AI Analysed
Case Ref
CMR-2026-00847
Registration
GK21 NRF
Report Date
18 March 2026
Status
Submitted
Pre-Accident
£97,500
Value Lost
−£14,040
Post-Accident
£83,460
Case Overview
Case Reference
CMR-2026-00847
Handler
Harper & Associates Claims Ltd
Handler Ref
H&A/CMR/2026/0847
Report Date
18 March 2026
Fault
Third Party
Status
Submitted
Vehicle Details
Registration
GK21 NRF
Make
Porsche
Model
911 Carrera S PDK Coupé
Year
2021
Body Type
Coupé
Fuel Type
Petrol
Colour
GT Silver Metallic
Mileage at Accident
28,400 miles
Valuation Provider
Brego
Accident Details
Date of Accident
3 February 2026
Location
A57, Ashton-under-Lyne, Greater Manchester
Fault
Third Party
Third Party
Dominic Carr
Third-Party Insurer
Admiral Insurance PLC
Third-Party Claim Ref
ADM-2026-TPC-990221
Accident Description
Non-fault rear-end collision involving a 2021 Porsche 911 Carrera S at traffic lights — third party admitted liability at the scene.
Engineer's Report Analysis
AI AnalysedNovaTech_Assessment_GK21NRF_Feb2026.pdf
NovaTech Vehicle Assessors Ltd · 10 February 2026
Repair Cost
£19,800
From engineer's report
Assessed Severity
Moderate to SignificantConfirms claim
Engineer's Summary
Rear-end impact caused extensive damage to the engine lid, rear bumper assembly, full-width LED tail light cluster, and nearside rear quarter panel on this Porsche 911 Carrera S (PDK Coupé). PDK transmission cooling duct shows minor deformation. Structural and chassis analysis confirms no underlying frame deformation. Vehicle has been repaired to Porsche AG manufacturer standards using OEM parts. Estimated repair cost: £19,800.
Damage Areas Identified
Key Technical Findings
- Significant rear impact damage to engine lid and bumper assembly consistent with collision at traffic lights
- Full-width LED tail light cluster (911 signature strip) required complete replacement
- No structural or chassis deformation detected — 911 Carrera S rear frame undamaged
- Repair cost: £19,800 for OEM Porsche AG parts and labour to manufacturer standard
- Accident marker now permanently recorded on DVLA and HPI registers, directly impacting resale value
How This Strengthens the Claim
This independent assessment provides third-party evidence of both the extent and nature of damage. The Moderate to Significant severity classification directly supports the 14.4% diminution rate applied — and the permanent HPI/DVLA record cited underpins the long-term market value loss argument.
Valuation & Loss Calculation
Pre-Accident Value
£97,500
Clean market value
Diminution in Value
−£14,040
14.4% reduction applied
Post-Accident Value
£83,460
After accident impact
Base rate — Moderate to Significant severity
+14.4%Structural damage adjustment
No structural damageCategory marker adjustment
No category markerRepair status adjustment
Vehicle repairedTotal Reduction Applied
£97,500 × 14.4% = £14,040
14.4%
total reduction
Insurer Demand Letter
Ready to SendOliver Hargreaves
14 Birchwood Close, Manchester, M14 6TP
07712 445 881 · o.hargreaves@email.com
Date: 18 March 2026
Admiral Insurance PLC
Third-Party Claim Reference: ADM-2026-TPC-990221
CMR Case Reference: CMR-2026-00847
RE: Claim for Diminution in Value — Registration GK21 NRF
Dear Claims Handler,
I write on behalf of my client, Oliver Hargreaves, in connection with the above third-party claim arising from a non-fault road traffic accident on 3 February 2026.
We hereby demand payment of £14,040, representing the confirmed diminution in value of the above vehicle, supported by independent valuation evidence and an AI-analysed engineer's report.
| Vehicle | 2021 Porsche 911 Carrera S — GK21 NRF |
| Pre-Accident Market Value | £97,500 |
| Post-Accident Market Value | £83,460 |
| Diminution in Value Claimed | £14,040 |
| Reduction Rate Applied | 14.4% |
| Valuation Provider | Brego |
| Engineer Assessment Firm | NovaTech Vehicle Assessors Ltd |
| Repair Cost (Engineer) | £19,800 |
Please settle this sum within 21 days of this letter. Failure to respond or settle may result in escalation to the Financial Ombudsman Service or referral to the County Court (Fast Track).
Full supporting documentation, including the engineer's report, valuation breakdown, and CMR, is attached. We are happy to discuss settlement at your earliest convenience.
Yours faithfully,
Harper & Associates Claims Ltd
On behalf of Oliver Hargreaves · Ref: H&A/CMR/2026/0847
Sample Report Disclaimer
This is a sample report for demonstration purposes only. All figures, names, and details are illustrative. Vehicle images are representative and do not depict an actual claimant's vehicle. In your generated report, valuations will be sourced live from Brego using the claimant's actual VRM and accident details.
10-Step Guided Builder
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AI Engineer Report Analysis
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Live Brego Valuation
Pre and post-accident values pulled live from your claimant's VRM — not manually entered.
Key Dates Tracker
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