The policy and formal dispute process can vary by province and insurer, but the evidence review follows the same basic logic: obtain the complete valuation, verify the vehicle, test the comparable market and explain every material correction.
Ask for the report behind the offer and preserve all claim documents before portal access changes.
Factual errors are usually easier to establish than broader disagreements about weighting or methodology.
The next step depends on the size and nature of the disagreement.
Save the valuation, offer and vehicle documents.
Check the subject vehicle against every comparable and adjustment.
Prepare evidence for each requested correction.
Use appraisal, policy or professional support where the disagreement remains material.
No. Policy wording, insurer practices and provincial insurance systems can differ. This page provides general valuation guidance rather than province-specific legal advice.
Yes. Clear factual corrections and relevant market evidence can be submitted by the owner. An appraiser can be useful when the evidence is complex or a formal opinion is required.
Storage, rental and vehicle-release issues can become time-sensitive. Confirm responsibilities and deadlines directly with the insurer rather than assuming they pause during a dispute.
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.
Tell us about the vehicle or assignment. Your information and selected documents will be submitted directly to IA Reports.
