How to Get a Vehicle Appraisal in Ontario
A practical guide for Ontario owners, buyers and businesses seeking an independent opinion of vehicle value or reviewing an insurance settlement.
What Type of Vehicle Appraisal Do You Need?
Start with the purpose of the valuation. An appraisal for a purchase or resale decision differs from a report prepared to review a total-loss offer, establish estate value or support a commercial lending assignment. Define who will rely on the report and the effective valuation date before commissioning work.
Identify the Appraisal Purpose
Tell us whether you need a market-value opinion, pre-purchase valuation, total-loss dispute review, or commercial appraisal. Additional services are listed on our Services & Pricing page.
Gather Vehicle Information
Provide the year, make, model, trim, VIN if available, kilometre reading, location, photographs, condition details and significant options or modifications. For insurance claims, include the insurer's latest written offer and valuation report.
Confirm Scope, Fee and Inspection Needs
Some assignments can begin with a document-based review; others require inspection or further research. Before work begins, IA Reports confirms deliverables, fees, turnaround expectations and any applicable travel or specialist requirements.
Receive a Supported Valuation Opinion
Where a written report is commissioned, it identifies the valuation purpose and date, subject vehicle, relevant market evidence, assumptions, adjustments and opinion of value. A valuation report is not a mechanical inspection unless that service is expressly included.
What Does a Vehicle Appraisal Cost in Ontario?
Cost depends on the vehicle, assignment purpose, inspection requirements and research involved. Published examples include Pre-Purchase Vehicle Appraisals at $200 + HST and Diminished-Value Appraisals at $600 + HST. A total-loss settlement dispute is reviewed before an assignment fee is confirmed. See all published fees and starting prices.
How Do I Dispute an Insurance Company's Vehicle Valuation?
First request the insurer's written valuation report and confirm the exact trim, options, kilometres, condition observations and selected comparable vehicles. IA Reports can discuss discrepancies and whether a formal independent appraisal is appropriate. For eligible Ontario automobile disagreements, the Section 128 process and the applicable automobile statutory condition may be relevant; it is not a general appeal for every coverage concern. For other provinces and territories, use the Canadian Vehicle Insurance Dispute Guides instead.
Where Can I Arrange an Ontario Vehicle Appraisal?
IA Reports is based in Brampton and considers assignments across Ontario and other Canadian jurisdictions. Availability of inspections, travel and remote appraisal work depends on the scope and location. For nearby enquiries, see our Brampton vehicle appraisal information. We do not advertise public walk-in offices in other cities.
Ready to Request a Vehicle Appraisal?
Send your vehicle information and explain the type of appraisal you need. We will confirm the next steps before any paid work begins.
General appraisal information only, not legal, tax or insurance advice. Requirements, rights and reporting standards depend on the applicable policy, intended recipient and circumstances. Reviewed 7 November 2026.