Diminished value of your vehicle is recoverable in third-party cases only. You can only recover from third-party at fault insurance companies ,and you cannot make a claim under your own uninsured motorist insurance. All drivers must carry minimum liability insurance, and the statute of limitations is 6 years from the time of the accident. Section 72A.201.

Minnesota follows the approach of the Restatement of Torts in measuring damages resulting from harm to personal property. O’Connor v. Schwartz, 304 Minn. 155, 158, 229 N.W.2d 511, 513 (1975); see also Hart v. N. Side Firestone Dealer, Inc., 235 Minn. 96, 98, 49 N.W.2d 587, 588 (1951) (noting Minnesota’s early commitment to the same rule).

The Restatement of Torts provides: Where a person is entitled to a judgment for harm to chattels not amounting to a total destruction in value, the damages include compensation for [] the difference between the value of the chattel before the harm and the value after the harm or, at the plaintiff’s election, the reasonable cost of repair or restoration where feasible, with due allowance for any difference between the original value and the value after repairs[.]

Restatement of Torts § 928 (1939) (emphasis added); see also Restatement (Second) of Torts § 928 (1965) (reflecting only minor wording changes). If the repairs have not fully restored the property, “the owner is entitled to the remaining diminution in value so long as the total damages awarded do not exceed” the lesser of the two measures. Rinkel v. Lee’s Plumbing & Heating Co., 257 Minn. 14, 20, 99