New Brunswick Insurance Act Section 107 Appraisal Disputes
For a qualifying disagreement under a contract containing an appraisal condition, New Brunswick’s Insurance Act sets out a formal way of determining the specified matters.
Section 107 Applies When the Contract Includes an Appraisal Condition
Section 107 describes appraisers chosen by the insurer and the insured, the appointment of an umpire, a written decision by two and expense-sharing provisions. The existence and scope of an applicable policy condition still matter.
“The insured and the insurer shall each appoint an appraiser”New Brunswick Insurance Act, Section 107(2)
Important distinction: The section is not a universal appeal mechanism: the contract must contain a condition providing for appraisal of the disputed subject matter.
How to Review a Disputed Vehicle Valuation in New Brunswick
- 01
Read the insurer’s written explanation
Identify the particular valuation or repair question, not just overall dissatisfaction with the claim.
- 02
Check the insurance policy
Confirm that an appraisal condition applies to the disputed matter.
- 03
Gather market support
Use accurate model, trim, kilometres, equipment, condition and comparable-vehicle records.
- 04
Determine next steps
Seek a reasoned resolution, then consider a formal Section 107 process if suitable and authorized.
What Can Strengthen a Valuation Review?
If the insurer used a similar but materially different trim, present the manufacturer specification, option evidence and examples with matching equipment to explain the adjustment.
- The insurer's complete written offer and market valuation report
- Vehicle identification, exact model and trim, options, kilometres and condition
- Listings or other evidence that genuinely match the subject vehicle
- Documentation of material repairs, upgrades or disputed deductions
Confirm Costs Before Formal Appraisal
Section 107 provides for each party to pay its appointed appraiser and share appraisal and umpire expenses. Ask for a written outline of likely fees before any formal process.
IA Reports can discuss appropriate independent valuation work after confirming assignment scope, availability, authorization and applicable local requirements.
New Brunswick Valuation Dispute FAQs
Does Section 107 decide coverage?
Not automatically. The appraisal concerns specified matters under a qualifying contract provision; coverage disagreements may follow other routes.
What if appraisers disagree?
Section 107 contemplates referring the differences to an umpire, with a written finding by any two determining those matters.
What documents should I request before an independent appraisal?
Start with the complete written offer, the underlying vehicle valuation and the evidence supporting the amount in dispute. The presence and scope of an appraisal condition in the actual contract matter; Section 107 is not an automatic remedy for every claim.
Disagree With Your Vehicle Insurance Settlement?
Request an initial review of a written total-loss valuation, or ask about an independent appraisal for another defined purpose. We will clarify the assignment scope and any fees before engagement.
Official Sources & Review Notes
Source list updated 5 November 2026. Confirm the current law, the insured policy and its endorsements, and the loss date before relying on a formal process. Prepared by IA Reports for vehicle-appraisal education; not legal or coverage advice. No settlement result or eligibility is guaranteed.