Total-Loss Vehicle Appraisals
Think your total-loss offer is too low? We review your vehicle’s value and prepare an independent appraisal to support your valuation dispute.
Policy issued outside Ontario? Find the relevant provincial or territorial valuation-dispute guide →
A Total-Loss Offer Should Account for Your Actual Vehicle.
When an insurer declares a vehicle a total loss, the proposed settlement is based on a valuation. Incorrect trim, missing options, unsuitable comparable vehicles or unexplained adjustments can leave you questioning the amount offered. IA Reports examines the valuation alongside your vehicle’s details and relevant market evidence.
How We Help
- Review the insurer’s valuation, comparable vehicles and adjustments.
- Check the vehicle’s trim, mileage, options and documented pre-loss condition.
- Prepare a written opinion of value with supporting research, within the agreed engagement.
Who This Service Is For
For vehicle owners who disagree with a total-loss valuation, and professional clients seeking an independent appraisal of a disputed vehicle value.
What should I do if I think the offer is too low?
Ask for the insurer’s valuation report and gather your vehicle details, photographs and relevant records. We can discuss the differences you have identified and the appraisal work that may help.
Is this the same as a diminished-value appraisal?
No. A total-loss dispute concerns the vehicle’s value before the loss. Diminished value considers a possible reduction in market value after a vehicle has been repaired.
How We Resolve Valuation Disputes
- Review the insurer's written valuation and the vehicle details.
- Confirm the service agreement and your authorization to act.
- Document supported discrepancies and relevant market evidence.
- Seek a negotiated resolution with the insurer.
- Explain the revised offer and, where appropriate, the formal Section 128 appraisal option. You decide whether to accept or decline.
The approach and available escalation steps depend on the insurance contract and the circumstances. A higher offer is not guaranteed.
Understand Ontario's Section 128 Process →Practical Appraisal Guidance
Where Total-Loss Valuation Reports Can Differ
An insurer’s written offer is a starting point for review, not a substitute for checking the underlying vehicle description and market evidence.
Vehicle identity
Confirm the exact trim, drivetrain, factory packages, registered model year and kilometres. A standard trim is not an automatic substitute for a more highly equipped vehicle.
Comparable selection
Review listing dates, province, condition, kilometre readings and how closely the examples match the subject. The lowest asking price is not necessarily the most relevant comparison.
Condition and adjustments
Ask how condition deductions, equipment credits and kilometre adjustments were supported. A deduction should be traceable to a reason and supporting information.