There is no such thing as a specific type of appraiser for diminished value. Your options are to refuse the settlement amount and try to negotiate for more, or try to take that portion of the settlement to appraisal. If you're not far off from what you feel you are owed (extremely subjective), negotiating is likely your best bet. If you chose appraisal, then you and the insurance company will each hire an independent appraiser to value the depreciation. Your results will range from some companies being very lenient and accepting your appraiser's figure, to the insurance company telling you that you can prove how much value you'll lose in a sale by selling the vehicle and providing direct evidence of how much you lost. Either way, keep in mind that no one really uses KBB or NADA to value vehicles anymore, and dealership or private party ads are largely ignored altogether. It's been awhile since I've been in that industry, so take this advice with a grain of salt. Good luck.