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Ontario · Open data · Updated August 2026

Ontario total loss outcomes

What do Ontario drivers actually settle write-offs for? Nobody publishes it. This is an attempt to find out, built entirely from real outcomes submitted by drivers.

FaultChecker Editorial · Reviewed by a licensed Ontario claims adjusterUpdated August 3, 2026 · 5 min read · Sources: Insurance Act Reg. 668 · FSRA · Highway Traffic Act

Key takeaways

Why this exists

Nobody publishes what Ontario drivers actually settle total losses for. Insurers hold that data; drivers negotiate blind. Enough submitted outcomes would make the gap between first offers and final settlements a public fact rather than an anecdote.

What we will and will not do with this

Submit your total loss outcome

About a minute. Nothing identifies you.

We publish aggregates only, and only once there are enough submissions that no single one can be identified. See our privacy policy.

✓ Recorded — thank you

That is one more real outcome in the dataset. When there is enough volume, the aggregate goes on this page for anyone to use.

The dataset

This is where the aggregate will appear. It is empty because nothing has been collected yet.

0
Not enough submissions yet

We will publish the aggregate once there is enough volume to be meaningful and to keep individual submissions unidentifiable. Until then this space stays empty — we would rather show nothing than show a number built from guesswork.

Submissions
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awaiting data
Median first offer
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awaiting data
Median settlement
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awaiting data
Appraisal used
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awaiting data

What makes a submission useful

The two figures that matter most are the first offer and the final settlement. The gap between them is the entire point of the dataset. Mileage and trim matter because they are the two things most often disputed in a valuation.

Whether the appraisal process under section 128 of the Insurance Act was used is worth recording separately. It is a formal route — each side appoints an appraiser and they agree an umpire — and it is invoked rarely enough that nobody has a good sense of how often it changes the outcome.

Why there is no identifying information

This form deliberately does not ask for your name, email, VIN, claim number or policy number. A dataset about settlements is only safe to publish if it cannot be traced back to individual claims, and the simplest way to guarantee that is not to collect the identifiers in the first place.

The insurer field is optional for the same reason — it is useful for analysis but nobody should feel obliged to name their insurer to contribute.

Working through a total loss now?

Build your valuation evidenceComparables, adjustments and a message ready to send to your adjuster. How total loss payouts workHow the offer is calculated and where money commonly leaks. What to ask your adjusterThe valuation report, the options list and the HST question.

Common questions

What happens to the data I submit?

Submissions are held privately until there is enough volume that an aggregate can be published without any individual entry being identifiable. At that point we publish summary figures only. We never publish, sell or share an individual submission, and we do not present modelled numbers as if they were collected data. If volume never materialises, the page simply stays empty.

Why don't you ask for my name or claim number?

Deliberately. A public dataset about insurance settlements is only safe if individual entries cannot be traced back to real claims, and the most reliable way to guarantee that is to never collect the identifiers. This form asks for no name, email, VIN, claim number or policy number. Naming your insurer is optional for the same reason.

What is the appraisal process under section 128?

Section 128 of Ontario's Insurance Act provides a formal mechanism for resolving a dispute about the amount of a loss rather than about coverage. Each side appoints its own appraiser, and the two appraisers agree on an umpire. Each party pays its own appraiser and they share the umpire's cost, which is why it tends to be worth invoking only where the disputed amount is substantial.

When will results be published?

When there is enough volume for the aggregate to be both meaningful and safe to publish. There is no fixed threshold announced in advance because it depends on how the submissions distribute across vehicles and regions. Until that point the results section shows nothing rather than a figure built on too few entries.

Next step
Negotiating a total loss now?

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