Comparable BC listings
Current retail listings for the same year, make, model, trim, mileage range, and condition in BC or nearby Canadian markets.
Free BC total-loss offer gap estimate
ICBC Total Loss Settlement Calculator
Compare an ICBC total-loss offer with realistic BC replacement listings, recent repair records, and vehicle-specific condition evidence before deciding whether an independent appraisal may help.
Offer gap estimate Evidence-first appraisal support $75 remote appraisal
Estimate your total-loss offer gap
Enter the offer, a realistic comparable replacement value, and documented vehicle-specific evidence. The result shows the gap your appraisal file may need to explain.
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Tip: keep this conservative. A strong appraisal file uses realistic comparables and documented facts, not the highest advertised listing.
Estimated documentation gap
$6,500
ICBC offer entered$14,000
Comparable replacement value$18,500
Vehicle-specific support$2,000
Documented value estimate$20,500
Gap after $75 appraisal fee$6,425
This is a meaningful documentation gap. If your comparable listings and vehicle records are solid, an independent appraisal may help you present a clearer counter-offer package.
Get an Independent AppraisalWhat makes the estimate supportable?
A useful settlement discussion starts with documentation. These are the items a BC appraiser will look for before preparing a valuation file.
Condition and mileage proof
Clear photos, odometer reading, trim/options, accident history, pre-loss condition notes, and any evidence that separates your vehicle from an average example.
Recent repair records
Tires, brakes, timing belt, transmission work, suspension, batteries, or maintenance that would affect replacement value when documented with receipts.
Offer and valuation details
The ICBC offer, any valuation worksheet, and notes about how the number was calculated so the appraisal can address the actual gap.
Before you dispute the number
Use the calculator, then build the evidence file
The calculator points to the size of the gap. The appraisal turns that gap into a documented file with comparable listings, condition notes, and a plain-English valuation summary that can support your response.
- Save the ICBC offer and any valuation worksheet.
- Collect three to five comparable BC retail listings.
- Photograph the vehicle, odometer, options, and condition evidence.
- Upload repair records, maintenance receipts, and specialty details.
- Order the appraisal if the evidence supports a meaningful gap.
ICBC total-loss calculator FAQ
Common questions before using an independent appraisal to support a total-loss settlement discussion.
Is this an official ICBC settlement calculator?
No. This is an educational estimate from IC Appraisal BC. It helps you organize the gap between the offer, comparable replacement listings, and vehicle-specific evidence before deciding whether an independent appraisal may help.
What number should I enter as comparable replacement value?
Use a realistic average from comparable BC retail listings for the same year, make, model, trim, mileage, and condition. Do not use the highest outlier listing. The strongest files use several comparable listings, not one screenshot.
Do recent repairs always increase my settlement?
Not automatically. Recent repairs can support value when they are relevant, documented, and not simply normal wear items already reflected in the comparable listings. They are evidence inputs, not guaranteed additions.
When does an independent appraisal help most?
It is most useful when the ICBC offer appears lower than realistic replacement cost and you have concrete evidence: low mileage, premium trim, strong condition, recent major work, specialty configuration, or comparable listings that support a higher value.
How fast can IC Appraisal BC prepare the appraisal?
After we review and accept the file, the completed appraisal is delivered by email within 1 hour after payment. If photos, the offer, or comparable evidence are missing, we will ask for them first.
How much does the appraisal cost?
The standard remote certified vehicle appraisal is $75 plus tax. You upload the offer, vehicle photos, odometer, trim/options, repair records, and any comparable listings online.