Ontario Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in Ontario. When you invoke the appraisal clause under the Insurance Act, R.S.O. 1990, c. I.8, s. 128, we serve as your independent appraiser to determine the actual cash value of your vehicle.
Our Services in Ontario
When your Ontario 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 HST. We serve as your independent appraiser.
Learn MoreWhen Ontario 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 MoreOntario Insurance Law
In Ontario, the insured can invoke the appraisal clause in their insurance policy, which is codified in Section 128 of the Insurance Act (R.S.O. 1990, c. I.8). Ontario uses the traditional term 'appraiser' — each side appoints an appraiser, and the two appraisers appoint an umpire. National Appraisers serves as your independent appraiser. The appraisers determine the matters in disagreement; if they fail to agree, they submit their differences to the umpire, and the finding in writing of any two determines the matters (s. 128(3)). Each party pays their own appraiser and shares the umpire cost equally (s. 128(4)). If a party fails to appoint within 7 days, a judge of the Superior Court of Justice may appoint one (s. 128(5)).
Quick Facts — Ontario
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. — R.S.O. 1990, c. I.8, s. 128(1)"
Section 128 — Contracts Providing for Appraisals
Below is the official text of Section 128 from Ontario's Insurance Act (R.S.O. 1990, c. I.8). Ontario uses the traditional term "appraiser" — each side appoints an appraiser, the two appraisers appoint an umpire, and the written finding of any two determines the matters in disagreement.
Section 128(1)–(3) — Contracts, Appointment & Duties
Source: Insurance Act, R.S.O. 1990, c. I.8, s. 128(1)–(3)
Section 128(4)–(5) — Costs & Appointment by Judge
Source: Insurance Act, R.S.O. 1990, c. I.8, s. 128(4)–(5)
Key Points — Section 128 (Appraisals)
Application (s. 128(1)) — applies to any 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
Appraisers, Appointment (s. 128(2)) — the insured and the insurer shall each appoint an appraiser, and the two appraisers so appointed shall appoint an umpire
Appraisers, Duties (s. 128(3)) — the appraisers shall determine the matters in disagreement and, if they fail to agree, they shall submit their differences to the umpire, and the finding in writing of any two determines the matters
Costs (s. 128(4)) — each party to the appraisal shall pay the appraiser appointed by the party and shall bear equally the expense of the appraisal and the umpire
7-Day Appointment Deadline (s. 128(5)(a)) — if a party fails to appoint an appraiser within seven clear days after being served with written notice to do so, a judge of the Superior Court of Justice may appoint one
Umpire Deadline (s. 128(5)(b)) — if the appraisers fail to agree upon an umpire within fifteen days after their appointment, a judge of the Superior Court of Justice may appoint one
Refusal or Incapacity (s. 128(5)(c)) — if an appraiser or umpire refuses to act or is incapable of acting or dies, a judge of the Superior Court of Justice may appoint a replacement
Cities We Serve in Ontario
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.