Canadian Evidence Checklist

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.
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