Alberta Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in Alberta. When you invoke the appraisal clause under the Insurance Act, RSA 2000, c. I-3, Statutory Condition 11, we serve as your independent appraiser to determine the actual cash value of your vehicle.
Our Services in Alberta
When your Alberta insurer declares your vehicle a write-off and offers less than fair market value, you can invoke the appraisal clause to determine the actual cash value including GST only. We serve as your independent appraiser.
Learn MoreWhen Alberta insurers refuse to pay for OEM parts, ADAS calibration, or proper repair procedures, the vehicle owner can invoke the appraisal clause. We serve as the independent appraiser to ensure proper repairs.
Learn MoreAlberta Insurance Law
In Alberta, the insured can invoke the appraisal clause in their insurance policy, which is strengthened by the statutory dispute resolution process under the Insurance Act (RSA 2000, c. I-3, SC 11). Like BC and Saskatchewan, Alberta uses the term 'dispute resolution' rather than 'appraisal.' National Appraisers serves as your dispute resolution representative. The process requires a specific written demand and proof of loss before it can begin. Disputes over the value of insured property, nature/extent of repairs, or amount of loss must be determined using the applicable dispute resolution process set out in the Insurance Act.
Quick Facts — Alberta
Statutory Condition 11
"In the event of disagreement... those questions must be determined using the applicable dispute resolution process set out in the Insurance Act. No right to dispute resolution until (a) a specific demand is made for it in writing, and (b) the proof of loss has been delivered to the insurer. (RSA 2000, c. I-3, SC 11)"
Dispute Resolution Process — Statutory Condition 11
Alberta's Insurance Act (RSA 2000, c. I-3) uses the term "dispute resolution" rather than "appraisal" for resolving disagreements over the value of insured property. The insured invokes the appraisal clause in their policy, which is strengthened by the statutory dispute resolution process. National Appraisers serves as your dispute resolution representative.
Source: Insurance Act, RSA 2000, c. I-3, Statutory Conditions 11–13
Key Points — Statutory Conditions 11–13
In Case of Disagreement (SC 11(1)) — disputes over the value of insured property, property saved, nature/extent of repairs, or amount of loss must be determined using the applicable dispute resolution process set out in the Insurance Act
Independent of other questions (SC 11(1)) — the dispute resolution process applies whether or not the insured's right to recover under the contract is disputed, and independently of all other questions
Prerequisites (SC 11(2)) — no right to dispute resolution until (a) a specific demand is made for it in writing, and (b) the proof of loss has been delivered to the insurer
When Loss Payable (SC 12) — unless the contract provides for a shorter period, the loss is payable within 60 days after the proof of loss is completed and delivered
Repair or Replacement (SC 13(1)) — unless a dispute resolution process has been initiated, the insurer may repair, rebuild, or replace the insured property within 30 days of receiving proof of loss
45-Day Repair Deadline (SC 13(2)) — if the insurer elects to repair/replace, they must begin within 45 days after receiving proof of loss and proceed with all due diligence
Cities We Serve in Alberta
Important: Services We Do Not Provide
We do not perform pre-insurance appraisals for classic, antique, or older vehicles that require an appraisal to obtain or renew insurance coverage. Our services are exclusively for insurance claim disputes — total loss (write-off) settlements and body shop repair disputes where the insurance company has already issued an offer or denied proper payment.