Your Rights Under the Insurance Act
In Canada, auto insurance policies are governed by provincial Insurance Acts. Most standard policies (like the OAP 1 in Ontario) 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.
Lender & Finance Company Services
We assist Canadian auto lenders, banks, and leasing companies in recovering the true value of collateral. Our Lender Portal provides real-time tracking for bulk claims across all 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.
Send us your insurance company's offer and your vehicle details. We'll tell you if the offer is unfair.
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.
We negotiate directly with the insurer's appraiser to establish the true Actual Cash Value of your car.
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 that protect your right to a fair settlement.
Ontario
Statutory Condition 11
British Columbia
Insurance Act SC 11
Alberta
Insurance Act s. 519
Quebec
Civil Code of Quebec
Manitoba
The Insurance Act
Saskatchewan
The Insurance Act
Nova Scotia
Insurance Act
New Brunswick
Insurance Act
Newfoundland & Labrador
Insurance Companies Act
Prince Edward Island
Insurance Act
Northwest Territories
Insurance Act
Yukon
Insurance Act
Nunavut
Insurance Act