British Columbia Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in British Columbia. When you invoke the appraisal clause under the Insurance Act, RSBC 2012, c. 1, SC 11 & s. 12, we serve as your independent appraiser to determine the actual cash value of your vehicle.
Our Services in British Columbia
When your British Columbia insurer declares your vehicle a write-off and offers less than fair market value, you can invoke the appraisal clause to determine the actual cash value including GST + PST. We serve as your independent appraiser.
Learn MoreWhen British Columbia insurers refuse to pay for OEM parts, ADAS calibration, or proper repair procedures, the vehicle owner can invoke the appraisal clause. We serve as the independent appraiser to ensure proper repairs.
Learn MoreBritish Columbia Insurance Law
In British Columbia, the insured can invoke the appraisal clause in their insurance policy, which is strengthened by the statutory dispute resolution process under the Insurance Act (RSBC 2012, c. 1, s. 12). Like Saskatchewan, BC uses the term 'dispute resolution representative' rather than 'appraiser' (s. 12(1)). National Appraisers serves as your dispute resolution representative. Each side appoints a representative within 7 days, and the two representatives appoint an umpire within 15 days. Representatives cannot be the insured, insurer, or their employees. If they fail to agree, differences go to the umpire, and the written determination of any 2 of them determines the matters. The Superintendent may appoint an umpire if representatives fail to agree on one (s. 12(10)-(14)).
Quick Facts — British Columbia
Statutory Condition 11
"In the event of disagreement... those questions must be determined using the applicable dispute resolution process set out in the Insurance Act. The insured and insurer must each appoint a dispute resolution representative within 7 days... The 2 representatives must appoint an umpire within 15 days. A person must not be appointed as a representative if the person is the insured, the insurer, or an employee of either. (RSBC 2012, c. 1, SC 11 & s. 12)"
Dispute Resolution Process — SC 11 & Section 12
British Columbia's Insurance Act (RSBC 2012, c. 1) uses the term "dispute resolution representative" rather than "appraiser" (s. 12(1)), but the process functions like an appraisal. The insured invokes the appraisal clause in their policy, which is strengthened by the statutory dispute resolution process. National Appraisers serves as your dispute resolution representative.
Statutory Condition 11 — In Case of Disagreement
Source: Insurance Act, RSBC 2012, c. 1, Statutory Conditions 11–13
Section 12(1)–(7) — Dispute Resolution
Source: Insurance Act, RSBC 2012, c. 1, s. 12(1)–(7)
Section 12(8)–(14) — Umpire & Determination
Source: Insurance Act, RSBC 2012, c. 1, s. 12(8)–(14)
Key Points — BC Dispute Resolution Process
"Representative" Not "Appraiser" (s. 12(1)) — BC uses the term dispute resolution representative rather than "appraiser" — but the role is functionally the same
In Case of Disagreement (SC 11(1)) — disputes over the value of insured property, property saved, nature/extent of repairs, or amount of loss must be determined using the applicable dispute resolution process set out in the Insurance Act
7-Day Appointment (s. 12(2)) — within 7 days of the demand, the insured and insurer must each appoint a dispute resolution representative
Umpire Within 15 Days (s. 12(3)) — the two representatives must appoint an umpire within 15 days after their appointment
Independence Required (s. 12(4)) — a person must not be appointed as a representative if the person is the insured, the insurer, or an employee of either
Written Determination (s. 12(8)) — the written determination of any 2 of the dispute resolution representatives and the umpire determines the matters in question
Superintendent Appoints Umpire (s. 12(10)–(14)) — if the representatives fail to agree on an umpire, either party may apply to the Superintendent to appoint one
Costs (s. 12(9)) — each party pays the representative they appointed, and both parties share equally the expense of the dispute resolution process and the umpire
Cities We Serve in British Columbia
Important: Services We Do Not Provide
We do not perform pre-insurance appraisals for classic, antique, or older vehicles that require an appraisal to obtain or renew insurance coverage. Our services are exclusively for insurance claim disputes — total loss (write-off) settlements and body shop repair disputes where the insurance company has already issued an offer or denied proper payment.