Fight Your Insurance Company's Lowball Offer

Don't accept the insurance company's lowball offer. Under your provincial Insurance Act, you have the right to an independent appraisal.

Get a Free Claim Review How It Works

95%

Success Rate

Provinces & Territories

1000+

Claims Resolved

Our Canadian Services

We provide independent vehicle appraisal services for insurance claim disputes across all Canadian provinces and territories.

Total Loss / Write-Off Disputes

Dispute your total loss or write-off offer using the Appraisal Clause under your provincial Insurance Act. We help you recover the true Actual Cash Value of your vehicle.

Repair Disputes

Independent appraisals for vehicle owners and body shops disputing insurance repair estimates. We ensure repairs are properly assessed and fairly compensated.

Actual Cash Value Appraisals

Professional independent appraisals to determine the true fair market value of your vehicle. Our appraisals are thorough, documented, and defensible.

Lender & Finance Services

We assist Canadian auto lenders, banks, and leasing companies in recovering the true value of collateral across all provinces.

Please note: We do not perform appraisals for old vehicles required to obtain insurance.

Your Rights Under the Insurance Act

In Canada, auto insurance policies are governed by provincial Insurance Acts. Most standard policies contain a mandatory provision known as Statutory Conditions.

Statutory Condition 11 (Appraisal) gives you the right to dispute the insurance company's valuation of your total loss vehicle. If you and the insurer cannot agree on the Actual Cash Value, you can demand an appraisal.

Binding Decision

The decision reached by the appraisers (or umpire) is binding on the insurance company.

Independent Process

It removes the decision-making power from the adjuster and gives it to independent experts.

Fair Market Value

Our independent appraisal helps ensure you receive the true market value of your vehicle, including taxes.

Statutory Condition 11 (Ontario)

"In the event of disagreement as to the value of the property insured, the property saved or the amount of the loss, those questions shall be determined by appraisal as provided under the Insurance Act before there can be any recovery under this contract..."

*Similar provisions exist in Alberta, British Columbia, and other provinces.

The Canadian Appraisal Process

We guide you through the entire dispute process, from helping you invoke the appraisal clause to providing the independent appraisal for the final settlement.

Free Review

Send us your insurance company's offer and your vehicle details. We'll tell you if the offer is unfair.

Invoke Appraisal

You formally notify your insurer that you are exercising your right to an appraisal under the Insurance Act. We prepare the documentation and serve as your independent appraiser.

Negotiation & Settlement

We negotiate directly with the insurer's appraiser to establish the true Actual Cash Value of your vehicle.

Provinces & Territories We Service

We assist policyholders in all Canadian provinces and territories. Each jurisdiction has its own Insurance Act with appraisal or dispute resolution provisions.

🍁