Prince Edward Island Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in Prince Edward Island. When you invoke the appraisal clause under the Insurance Act, R.S.P.E.I. 1974, Cap. I-5, s. 91, we serve as your independent appraiser to determine the actual cash value of your vehicle.
Our Services in Prince Edward Island
When your Prince Edward Island 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 HST. We serve as your independent appraiser.
Learn MoreWhen Prince Edward Island 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 MorePrince Edward Island Insurance Law
Prince Edward Island's Insurance Act, Part III — Insurance Contracts in PEI, Section 91 provides a clear appraisal process. 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 a disinterested appraiser, the two appraisers select a competent and disinterested umpire, and the written finding of any two determines the matter.
Quick Facts — Prince Edward Island
Statutory Condition 11
"This section applies to a contract containing a condition, statutory or otherwise, providing, in the event of difference or disagreement between the insured and the insurer, for appraisal to determine the matters specified in the condition."
Section 91 — Appraisals
Below is the official text of Section 91 from Prince Edward Island's Insurance Act, R.S.P.E.I. 1974, Cap. I-5, Part III — Insurance Contracts in PEI. This section establishes the appraisal process for resolving insurance disputes over the value of insured property.
Source: Insurance Act, R.S.P.E.I. 1974, Cap. I-5, s. 91, Page 46 — Current to May 13, 2021
Key Points — Section 91 Appraisals
Application of section (s. 91(1)) — applies to any contract containing a condition providing for appraisal to determine matters in the event of disagreement between the insured and insurer
Two disinterested appraisers (s. 91(2)) — the insured and insurer each select a disinterested appraiser, then the two appraisers select a competent and disinterested umpire
Written finding of any two determines the matter (s. 91(3)) — if appraisers fail to agree, they submit differences to the umpire, and the finding in writing of any two determines the matters
Each party pays their own appraiser (s. 91(4)) — each party pays the appraiser selected by them and bears equally the expense of the appraisal and umpire
7-day deadline to appoint (s. 91(5)(a)) — a party must name an appraiser within seven clear days after being served with written notice
15-day deadline for umpire (s. 91(5)(b)) — appraisers must agree upon an umpire within fifteen days after their appointment
Court can intervene (s. 91(5)) — if a party fails to appoint or an appraiser/umpire refuses to act, a Supreme Court judge may appoint an appraiser or umpire
Cities We Serve in Prince Edward Island
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.