你说的对，insurer是保险公司. 但是请看：

我是third-party claimer.

http://www.insure.com/articles/carinsurance/diminished-car-value.html

你给我的网页

So, if you live in a state where the insurance department has approved this form, called PP 13 01 12 99, and your insurer has adopted the language, you'll have no chance of getting money for the "diminished value" of your car IF YOU CAUSE AN ACCIDENT.


Third-party claims

THERE'S ONE WAY YOU MAY BE ENTITLED TO A DIMINISHED VALUE CLAIM: If someone else hits you and you make a damage claim on that person's insurance. That's called a third-party claim and it's possible to get diminished value damages as a third party because you don't have a contract with that insurer. The ISO's diminished-value exclusion form applies only to first-party physical-damage claims, not to third-party liability claims. Also, in tort claims, the measure of damage is generally calculated as the difference in value before and after the loss, sometimes making diminished value a viable claim. However, there is still a wide variation among state case law in pinpointing when a third-party claimant is entitled to diminished value.