Auto Insurance Claims/Expert Profile

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Justin Petty


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Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.

Experience in the area

Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.


NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)


10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".


School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors

Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients

State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

What do you like about this subject?

No two people or companies are alike and the joy I feel when we prove that we are not bluffing with our hype is immeasurable.

What do you still hope to achieve/learn in this field?

I hope to prove to people that doing the right thing is the most rewarding thing you can do.

Something interesting about this subject that others may not know:

One of the ways I made a living for a while, (subrogation) is not in any spell-check dictionary have ever seen, but it is a REAL word (hmmph!, petty details)!

Something controversial or provocative about this subject

The insurance industry does not account for the cost of inherent lost market value in premiums, but the courts all award it as an element of tort damages. Insurance carriers generally deny the existence of such a damage until the judgment of a court becomes a credible threat, thus the fact that diminished value exists is contrary to the popular training that most insurance adjusters get.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Mark10/11/16101010Thanks for quick & useful advice!
Debbie07/26/16101010Although I didn't like the answer I .....
jared06/02/16101010Thank you for this reply. I think .....

Recent Answers from Justin Petty

2016-10-11 My car insurance has gone up --:

Insurance rates can be affected by so many factors it is ridiculous.  I am going to meet a friend of mine tomorrow and he is an actuary.  I worked with him for years.  There is no way to know why your

2016-10-01 RV Totalled:

John, sorry for the delayed response, I was out of internet range.  Anyhow, I must say that there is no possible way for me to assist you through a forum like this, there are simply too many questions

2016-09-23 Car previously totaled by insurance:

The rules regarding salvage titles are what will govern this case.  When it is someone else's fault and they have insurance, then the law that governs is not the insurance contract law, but the general

2016-07-22 RV water damage:

Debbie,      Sorry for the delay, I was out of the office for a bit at court.  Anyway, so accidental discharge is typically covered, but maintenance items are not covered.  These are tricky claims.  I

2016-07-22 Auto Damages Tree on Property:

One cannot invoke the appraisal clause when the insurance company is not their own insurance company, the only option is suit.    If it were your own insurance company, you would be required to invoke


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