Documents Needed for a Total-Loss Dispute in Canada
A complete file makes it easier to identify material errors and avoids repeated requests for missing information. Start with the insurer's complete valuation, then add evidence that proves the vehicle's exact specification and pre-loss condition.
What matters: Send only documents relevant to the appraisal. Do not upload banking passwords, payment-card information or unrelated identity records.
Insurer and claim documents
These records explain the offer and how it was calculated.
Complete valuation report
Written settlement offer
Claim and adjuster information
Proof of loss or settlement breakdown where available
Relevant claim correspondence
Repair estimate if connected to the dispute
Vehicle evidence
The appraisal must identify the correct vehicle and its pre-loss characteristics.
VIN and odometer
Bill of sale or purchase documents
Build sheet or option list
Pre-loss and current photographs
Maintenance and repair records
Modification or equipment invoices
Market evidence
Owner-provided listings can be useful when they are traceable and genuinely comparable.
Comparable listing URLs or screenshots
Seller, location and capture date
Trim, mileage and equipment
Dealer replacement searches
Specialty-market evidence
Notes explaining why each comparable is relevant
Build a complete appraisal file
01Download the report
Preserve the complete valuation before access changes.
02Organize the files
Use clear filenames and remove duplicates.
03Summarize the dispute
Explain the top two or three concerns.
04Submit securely
Use the website form or agreed professional transfer method.
Frequently asked questions
Do I need every document before requesting a review?
No. Start with the insurer valuation and basic vehicle information. IA Reports can identify additional evidence needed.
Are maintenance receipts added to value?
Not automatically. They can support condition and vehicle history, but ordinary costs are not added dollar-for-dollar.
Can I submit large files?
The website form has upload limits. Larger professional files may require a separate transfer method.
Start with the insurer valuation and basic vehicle details. We will tell you what additional evidence is important for the specific file.
Assignment availability, inspection requirements and report scope are confirmed after file review. IA Reports does not guarantee acceptance by a third party or a particular financial, legal or insurance outcome.
Have questions? We’re here to help. Request a complimentary review or submit an assignment today.