Saskatchewan Auto Appraisers:
Total Loss (Write-Off) & Body Shop RTA
Expert auto appraisal services in Saskatchewan. When you invoke the appraisal clause in your policy — strengthened by the statutory dispute resolution process under the The Insurance Act, c. I-9.11, s. 8-11 & SC 11 — National Appraisers serves as your dispute resolution representative to determine the actual cash value of your vehicle.
Our Services in Saskatchewan
When your Saskatchewan insurer declares your vehicle a write-off and offers less than fair market value, you can invoke the appraisal clause — strengthened by the statutory dispute resolution process. National Appraisers serves as your dispute resolution representative to determine the actual cash value including GST + PST.
Learn MoreWhen Saskatchewan insurers refuse to pay for OEM parts, ADAS calibration, or proper repair procedures, the vehicle owner can invoke the appraisal clause. National Appraisers serves as the dispute resolution representative to ensure proper repairs.
Learn MoreSaskatchewan Insurance Law
In Saskatchewan, the insured can invoke the appraisal clause in their insurance policy, which is strengthened by the statutory dispute resolution process under The Insurance Act (c. I-9.11, s. 8-11). While the process functions like an appraisal, Saskatchewan uses the term 'dispute resolution representative' rather than 'appraiser' (s. 8-11(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. The written determination of a majority of the panel determines the matters. If a majority cannot be established, the umpire has sole discretion. The statute also requires the insurer to notify the insured of their dispute resolution rights within 5 business days of a claim dispute (s. 7-25).
Quick Facts — Saskatchewan
Statutory Condition 11
"In this section, 'representative' means a dispute resolution representative appointed pursuant to subsection (5). Within seven days after receiving or giving a demand, the insured and the insurer shall each appoint a dispute resolution representative, and within 15 days after their appointment, the two representatives shall appoint an umpire."
Dispute Resolution Process — s. 8-11 & s. 7-25
Saskatchewan's Insurance Act (c. I-9.11) uses the term "dispute resolution representative" rather than "appraiser," but the process functions like an appraisal. Each side appoints a representative, the two representatives appoint an umpire, and the written determination of the majority of the panel decides the matter.
Section 8-11 — Dispute Resolution
Source: The Insurance Act, c. I-9.11, s. 8-11 (2015, c.I-9.11, s.8-11; S.Nu. 2020, c.15, s.106)
Section 7-25 — Disputes re Payment of Claim or Loss
Source: c. I-9.11, s. 7-25 (Page 189)
Statutory Condition 11 — In Case of Disagreement
Source: c. I-9.11, SC 11–14 (Page 207)
Key Points — Saskatchewan Dispute Resolution Process
"Representative" Not "Appraiser" (s. 8-11(1)) — Saskatchewan uses the term dispute resolution representative rather than "appraiser" — but the role is functionally the same
7-Day Appointment (s. 8-11(5)) — within 7 days of the demand, the insured and insurer shall each appoint a dispute resolution representative
Umpire Within 15 Days (s. 8-11(5)) — the two representatives shall appoint an umpire within 15 days after their appointment
Independence Required (s. 8-11(6)) — no person shall be appointed as a representative if they are the insured, the insurer, or an employee of either
Majority Decision (s. 8-11(8)) — the written determination of a majority of the dispute resolution panel (representatives + umpire) determines the matters
Umpire Sole Discretion (s. 8-11(9)) — if a majority finding cannot be established, the umpire shall have sole discretion to determine the matter
Costs (s. 8-11(10)) — each party pays the representative they appointed, and both parties share equally the expense of the dispute resolution process and the umpire
Insurer Must Notify (s. 7-25) — within 5 business days of a dispute or denial, the insurer must give written notice of the insured's options, including the right to enter the dispute resolution process
Cities We Serve in Saskatchewan
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.