Review how the value was calculated
Start with the valuation report and the full settlement breakdown. Vehicle year, trim, kilometres, equipment, condition and the dates of comparable listings can all be relevant to checking the insurer’s calculation.
We can help prepare a comparison schedule, identify apparent errors and submit supporting records in a form that is easy to review. An asking price is not automatically proof of a completed sale or the correct settlement value.
Check the policy and the payment structure
The applicable coverage and endorsements need to be read with the policy in force for the loss. A replacement-cost or depreciation-related endorsement should not be assumed from the vehicle’s age alone.
The finance balance and the vehicle’s insured value are different questions. Any GAP product also has its own wording and eligibility conditions. We can help identify the documents needed to assess a disagreement without promising that every shortfall is insured.
Keep the related expenses in view
Rental, towing and storage issues can develop while value is being discussed. Keep invoices and written communications about authorization or cut-off dates. Ask for clear instructions rather than assume all continuing expenses will be paid.
Before signing a settlement or release, understand what issues it resolves. Depending on the dispute and applicable wording, advice may include a valuation response, an available appraisal process or another permitted dispute-resolution route.
Questions about this service
Does the insurer have to pay the remaining loan balance?
The loan balance is not necessarily the measure of the insured loss. Review the policy, finance agreement and any separate GAP coverage.
Should I accept payment while disputing the amount?
Get advice on the particular offer and any release or settlement wording before deciding. Do not assume acceptance leaves every other issue open.
Official sources & further reading
Content reviewed November 4, 2026. Check the policy and rules applicable to the relevant date. This information is not individualized advice.
