In most U.S. states, a first-party insured making a diminished value claim against their own insurer under a collision policy faces what primary obstacle?
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A
State law prohibits first-party DV claims entirely
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B
Most collision policies contain language excluding first-party diminished value
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C
The insurer must pay DV only if the vehicle is a total loss
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D
DV claims are only valid for vehicles under 3 years old