Northwest Territories Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in Northwest Territories. When you invoke the appraisal clause under the Insurance Act, SNWT 2011, c. 16, s. 45, we serve as your independent appraiser to determine the actual cash value of your vehicle.
Our Services in Northwest Territories
When your Northwest Territories 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. We serve as your independent appraiser.
Learn MoreWhen Northwest Territories 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 MoreNorthwest Territories Insurance Law
The Northwest Territories Insurance Act, Section 45 (Appraisals / Estimations) provides a bilingual appraisal process. When the insured and insurer disagree on the value of property or the amount of a loss, either party can invoke this section. Each side appoints an appraiser, the two appraisers appoint an umpire, and the written finding of any two determines the matter.
Quick Facts — Northwest Territories
Statutory Condition 11
"This section applies to a contract containing a condition, statutory or otherwise, providing for an appraisal to determine specified matters in the event of a disagreement between the insured and the insurer."
Section 45 — Appraisals / Estimations
Below is the official bilingual text of Section 45 from the Northwest Territories Insurance Act, SNWT 2011, c. 16. This section establishes the appraisal process in both English and French for resolving insurance disputes over the value of insured property.
Source: Insurance Act, SNWT 2011, c. 16, s. 45, Page 51
Key Points — English
Application (s. 45(1)) — applies to any contract containing a condition providing for appraisal to determine specified matters in the event of a disagreement
Appraisals (s. 45(2)) — the insured and insurer each appoint an appraiser, and the two appraisers appoint an umpire
Matters in disagreement (s. 45(3)) — if appraisers fail to agree, they submit differences to the umpire; the finding in writing of any two determines the matters
Costs (s. 45(4)) — each party pays their own appraiser and bears equally the expense of the appraisal and umpire
Court appointment (s. 45(5)) — 7-day deadline to appoint appraiser, 15-day deadline for umpire; Supreme Court judge may intervene if a party fails to act
Points clés — Français
Champ d’application (art. 45(1)) — s’applique à un contrat renfermant une condition prévoyant une estimation pour régler certaines questions en cas de désaccord
Nominations (art. 45(2)) — l’assuré et l’assureur nomment chacun un estimateur, et les deux estimateurs nomment un arbitre
Désaccord (art. 45(3)) — les estimateurs règlent les points de désaccord; la décision écrite de deux d’entre eux constitue le règlement
Frais (art. 45(4)) — chaque partie paie l’estimateur qu’elle a nommé et supporte à part égale les frais de l’estimation et de l’arbitre
Nomination par un juge (art. 45(5)) — délai de 7 jours pour nommer un estimateur, 15 jours pour l’arbitre; un juge de la Cour suprême peut intervenir
Cities We Serve in Northwest Territories
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.