Our Services in Yukon
When your Yukon 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 Yukon 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 MoreYukon Insurance Law
Yukon's Insurance Act, Part 3, Section 54 (Appraisals / Estimations) provides a clear, bilingual 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 an appraiser, the two appraisers select an umpire, and the written finding of any two determines the matter. This is one of Canada's most clearly codified appraisal clauses.
Quick Facts — Yukon
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 54 — Appraisals / Estimations
Yukon's Insurance Act is published in both English and French. Below is the official text of Section 54 from the Unofficial Consolidation of the Statutes of Yukon, which establishes the appraisal process for resolving insurance disputes.
Source: Unofficial Consolidation of the Statutes of Yukon — Insurance Act, S.Y. 2002, c. 119, s. 54, Page 38
Key Points — English
Each side appoints an appraiser — the insured and insurer each select their own independent appraiser (s. 54(2))
Appraisers select an umpire — the two appraisers appoint an umpire to resolve any disagreements (s. 54(2))
Written finding of any two determines the matter — if the appraisers disagree, they submit differences to the umpire, and any two in agreement is binding (s. 54(3))
7-day deadline to appoint — a party must appoint an appraiser within 7 clear days of written notice (s. 54(5)(a))
Court can intervene — if a party fails to appoint, a Supreme Court judge may appoint an appraiser or umpire (s. 54(5))
Points Clés — Français
Chaque partie nomme un estimateur — l'assuré et l'assureur nomment chacun un estimateur (art. 54(2))
Les estimateurs nomment un arbitre — les deux estimateurs choisissent un arbitre pour résoudre les désaccords (art. 54(2))
La décision écrite de deux d'entre eux est déterminante — si les estimateurs ne s'entendent pas, ils soumettent leurs différends à l'arbitre (art. 54(3))
Délai de 7 jours francs — une partie doit nommer son estimateur dans les 7 jours suivant l'avis écrit (art. 54(5)(a))
Intervention de la Cour suprême — un juge peut nommer un estimateur ou un arbitre en cas de défaut (art. 54(5))
Cities We Serve in Yukon
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.