Your vehicle was written off. Your insurer sent an offer. Before you sign anything — let us tell you what it’s actually worth.
When your vehicle is declared a total loss or damaged in a collision, the insurance company assigns adjusters and internal valuation tools designed to settle your claim on their terms. Most drivers don’t realize the number they receive is negotiable — not final.
At IA Reports, our certified independent appraisers establish your vehicle’s true market value using real Canadian data. Whether you’re disputing a low settlement or an insurance company requiring an objective third-party opinion, we deliver documentation that holds up.
Submit your file at no cost. We assess your situation and tell you honestly if a dispute is worth pursuing.
We research real Canadian market comparables and build a certified, defensible appraisal report.
We submit directly to your insurer and manage all communications. You don’t deal with adjusters.
The insurer revises their offer. Our fee is only a percentage of the increase we secured above their original number.
Got me through the whole process and got me a great deal. Incredibly professional and results-driven.
Made sure I understood my options and received a fair and accurate settlement from start to finish.
Knowledgeable, honest, explained everything clearly. Smooth and efficient from start to finish.
Every service we offer ensures vehicle valuations are accurate, evidence-based, and fair — for individuals and insurance companies alike.
When a vehicle’s value is in dispute, IA Reports provides a certified, comprehensive appraisal grounded in real Canadian market data. We work for both sides of the process: individuals challenging a low settlement and insurance companies requiring a third-party opinion.
Our appraisers research active comparables, recent sales, regional conditions, and vehicle-specific factors to establish a defensible actual cash value accepted by all major Canadian insurers.
For Insureds & InsurersBefore purchasing any used vehicle privately, you need two things: the complete vehicle history and confirmation that no financial claim exists against it.
We pull Carfax Canada reports covering accident history, ownership count, odometer records, and out-of-province history. We also run PPSA lien searches to confirm no bank or lender holds an outstanding claim — a claim that transfers to you on purchase if undiscovered.
Pre-Purchase Due DiligenceWhen the insurer’s repair estimate doesn’t match your body shop’s quote, an independent assessment gives you documented, unbiased evidence. We assess damage scope, document findings, and produce a written estimate suitable for insurance submissions.
Available to individual claimants, repair shops requiring third-party verification, and insurance companies needing independent assessments on complex files.
Individuals, Repair Shops & InsurersWe handle additional appraisal and valuation requests. Contact us to discuss your situation.
Transparent and straightforward — designed so you don’t battle your insurer alone.
Fill out our intake form or call us directly. We review every file at no cost and give you an honest picture of whether a dispute is viable and what outcome is realistic. If there’s no meaningful gain available, we tell you upfront.
Our team researches real, active comparable vehicles across Canadian marketplaces — AutoTrader, dealer inventory, private sales. We account for your vehicle’s trim, mileage, condition, options, and regional pricing to establish a defensible actual cash value.
We submit the appraisal directly to your insurer and manage all communications. You don’t deal with adjusters. We know the claims process from the inside and know how to present a counter-appraisal that demands a serious response.
When the insurer revises their offer, you accept the improved settlement. Our fee is a percentage of the increase we secured. If we don’t improve your payout, you owe us nothing.
IA Reports was built by professionals with direct, hands-on experience inside Canada’s insurance industry. That background is what makes us effective.
IA Reports was founded on a straightforward observation: most drivers have no idea they can challenge their insurer’s valuation — and those who do often lack the industry knowledge or credibility to do it effectively.
Our team brings direct experience from inside the Canadian insurance industry, including time spent as licensed claims adjusters at major national insurers. We understand precisely how ACV calculations are made, where they fall short, and how to build counter-appraisals that produce results.
We serve both sides of the valuation process — individuals who need an advocate and insurers who need an objective third-party opinion. In both cases, our commitment is the same: accuracy, professionalism, and documentation that holds up.
Submit your case for a free review. No obligation, no upfront cost.
Gursimran was a lot of help, got me through the whole process and got me a great deal. Expertise and professionalism made a real difference in the outcome.
Can’t thank IA Reports enough. Made sure I understood my options and received a fair and accurate settlement from start to finish.
Had a really good experience. Did a great job and made sure I was supported through the entire process.
Highly recommend if you want the highest possible payout on your total loss. They did wonders for me.
Finally someone who actually cared about how much I would get back. Really appreciate the professionalism and the results.
Great experience. Got me the results I wanted. Would not hesitate to recommend IA Reports to anyone navigating an insurance dispute.
Best appraiser in the GTA. Takes pride in making sure every total loss settlement is accurate and fair.
Truly went above and beyond. Kept me informed throughout and made sure the insurance company was held accountable every step of the way.
Excellent service. Knowledgeable, honest, took time to explain everything clearly. Smooth and efficient.
Very dedicated, full expertise in the field. A genuinely good person to work with. Highly recommended for any insurance dispute.
Excellent experience from start to finish. Professional, transparent, and focused entirely on a fair outcome.
Have a question before filing? Want to talk first? Reach out directly — we respond within 24 hours, seven days a week.
Fill out our intake form and we’ll review your case within 24 hours at no cost and no obligation.
We personally review every file and respond within 24 hours — no obligation, no upfront cost.
Don’t have everything? No problem — start with what you have and we’ll guide you through the rest.
When you submit a case through our website, we collect information you provide directly: your name, email address, phone number, vehicle details, insurance claim information, and any documents you upload. We may also collect basic usage data such as browser type and pages visited.
We use the information solely to:
We do not sell, rent, or share your personal information with third parties for marketing purposes. We may share information with your insurance company or relevant parties only as required to perform the services you have engaged us for, and with your explicit consent.
We take reasonable measures to protect your personal information from unauthorized access or misuse. All form submissions are transmitted securely. Documents you upload are used only for your file review.
We retain your information only as long as necessary to complete the services requested or as required by applicable law. You may request deletion of your personal information at any time by contacting us directly.
You have the right to access, correct, or request deletion of your personal information. To exercise these rights, contact us at gursimran_595@outlook.com.
Questions about this policy? Contact gursimran_595@outlook.com or call 647-554-1378.