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CMR Report— Full 10-section report Chase Pack— 3 Porsche claims · £33,090 Demand Letter— Payton v Brooks · PDF

Sample CMR report — representative vehicle

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Report (CMR)

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2021 Porsche 911 Carrera S PDK Coupé

GT Silver Metallic · GK21 NRF

Diminution Claimed

£14,040

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£14,040

This sample — Porsche 911 CS

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Overview Vehicle Accident Engineer's Report Valuation Demand Letter

Representative vehicle image

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Vehicle Diminution in Value
Claims Management Report

Professional CMR · Insurer-Ready · Auto-Structured

2021 Porsche 911 Carrera S

Representative vehicle image

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

Key Dates TrackerSubmitted

Instruction received5 Feb 2026

Report built18 Mar 2026

Demand submitted20 Mar 2026

Response by10 Apr 2026

Last chased—

Settlement—

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

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.

Representative damage imageRear Impact

Engineer's Report Analysis

Auto-Structured

NovaTech_Assessment_GK21NRF_Feb2026.pdf

NovaTech Vehicle Assessors Ltd · 10 February 2026

Analysed

Repair Cost

£19,800

From engineer's report

Assessed Severity

Moderate to Significant

Confirms 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

Engine lidRear bumper assemblyFull-width LED tail light clusterNearside rear quarter panelPDK cooling duct

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 damage

Category marker adjustment

No category marker

Repair status adjustment

Vehicle repaired

Total Reduction Applied

£97,500 × 14.4% = £14,040

14.4%

total reduction

Valuation sourced from Brego · 18 March 2026

Insurer Demand Letter

Ready to Send

Oliver 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

Demand Letter Included

The full insurer demand letter — with Payton v Brooks citation, pre/post valuation table, 21-day deadline, and escalation warning — is bundled inside every generated CMR.

Your branded letterhead

Company name, FCA ref, address auto-filled

Payton v Brooks citation

Legal basis for diminution claims

21-day deadline + escalation

County Court warning included

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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.

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Pre and post-accident values pulled live from your claimant's VRM — not manually entered.

Key Dates Tracker

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