Nunavut Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in Nunavut. When you invoke the appraisal clause under the Insurance Act, S.Nu. 2010, c. 14, s. 45, we serve as your independent appraiser to determine the actual cash value of your vehicle.
Our Services in Nunavut
When your Nunavut 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. We serve as your independent appraiser.
Learn MoreWhen Nunavut 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 MoreNunavut Insurance Law
Nunavut's Insurance Act, Section 45 (Appraisals) provides a clear appraisal process for resolving insurance disputes. When the insured and insurer disagree on the value of property or the amount of a loss, either party can invoke this section. Each side appoints an appraiser, the two appraisers appoint an umpire, and the written finding of any two determines the matter. The statute was amended by S.Nu. 2020, c. 15, s. 106.
Quick Facts — Nunavut
Statutory Condition 11
"This section applies to a contract containing a condition, statutory or otherwise, providing for an appraisal to determine specified matters in the event of a disagreement between the insured and the insurer."
Section 45 — Appraisals
Below is the official text of Section 45 from Nunavut's Insurance Act, S.Nu. 2010, c. 14 (as amended by S.Nu. 2020, c. 15, s. 106). This section establishes the appraisal process for resolving insurance disputes over the value of insured property in the territory.
Source: Insurance Act, S.Nu. 2010, c. 14, s. 45 (C.S.Nu., c. I-40), Page 26. Current to: July 3, 2025
Key Points — Section 45 (Appraisals)
Application (s. 45(1)) — applies to any contract containing a condition, statutory or otherwise, providing for an appraisal to determine specified matters in the event of a disagreement
Appraisals (s. 45(2)) — the insured and insurer each appoint an appraiser, and the two appraisers appoint an umpire
Matters in disagreement (s. 45(3)) — if appraisers fail to agree, they submit differences to the umpire; the finding in writing of any two determines the matters
Costs (s. 45(4)) — each party pays their own appraiser and bears equally the expense of the appraisal and umpire
Appointment by judge (s. 45(5)(a)) — 7-day deadline to appoint an appraiser after being served with written notice; a judge may intervene if a party fails to act
Umpire deadline (s. 45(5)(b)) — appraisers must agree on an umpire within 15 days of their appointment, or a judge may appoint one
Cities We Serve in Nunavut
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.