Prince Edward Island Section 91 Vehicle Appraisal Disputes
Prince Edward Island’s Insurance Act contains an appraisal framework for insurance contracts that include a condition requiring specified disagreements to be determined by appraisal.
Section 91 Describes Disinterested Appraisers and an Umpire
Section 91 applies to qualifying contracts with appraisal conditions. It calls for each party to select a disinterested appraiser and for the two appraisers to select a competent, disinterested umpire.
“The appraisal shall be made by two disinterested appraisers”Prince Edward Island Insurance Act, Section 91(2)
Important distinction: Section 91 is conditional on the insurance contract. It does not itself prove that every automobile or liability dispute is subject to that process.
How to Review a Disputed Vehicle Valuation in Prince Edward Island
- 01
Request the valuation report
Get the actual written basis of the total-loss settlement or repair amount.
- 02
Check the applicable contract
Identify whether it contains an appraisal provision and which questions it permits the appraisers to decide.
- 03
Prepare relevant market evidence
Document year, trim, kilometres, equipment, regional listings and legitimate condition differences.
- 04
Consider formal appraisal
Review appointment independence, likely costs and the umpire mechanism if direct resolution is unsuccessful.
What Can Strengthen a Valuation Review?
A vehicle with limited local PEI market listings may require carefully explained evidence from neighbouring Atlantic markets, accounting for availability and comparability.
- 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
The Act describes each party paying the appraiser it selects and equally sharing the appraisal and umpire expense. Obtain assignment quotes in advance.
IA Reports can discuss appropriate independent valuation work after confirming assignment scope, availability, authorization and applicable local requirements.
Prince Edward Island Valuation Dispute FAQs
Must the appraisers be independent?
The provision explicitly describes disinterested appraisers and a disinterested umpire.
Can an informal negotiation resolve the file?
Yes, the parties may address a valuation difference through evidence and discussion without necessarily engaging the formal procedure.
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. Check whether the policy contains the appraisal condition and whether the dispute falls within the stated valuation questions.
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.