Do you disagree
with the tax that you must pay on your vehicle purchase?
Why pay the same tax as someone else for a different
Every vehicle is different.
- Excessive Kms / Mileage
- Finish/ Paint Damage
- Interior Deterioration
- Collision History
our list of Services
DC&A's certified appraisals document value for
tax-deductible donations to the non-profit of your
choice. Our fees for this service start at $250. Mileage
of 50 cents per km may apply. Ask about multi-car
and club discounts. If you would like to donate your
special interest vehicle to a non-profit, DC&A
can provide information on schools and museums that
are currently accepting donations.
Property Settlement - Estate
DC&A can provide an independent appraisal to help
you establish the true market value of automobiles
involved in estate or divorce settlements. Our fees
for this service start at $250. Mileage of 50 cents
per km may apply. Ask about multi-car and club discounts.
Diminished Value Claim:
What is diminished value and how do I know when I
am entitled to it?
Diminution of value happens when a vehicle is wrecked
or damaged in an accident. The vehicle is then repaired
or restored back to a roadworthy condition. The insurance
company agrees to pay for the repairs. You have your
car back, but it’s just not the same.
To help you see what has happened to your car’s
value, let’s take a trip to the local car dealership.
You’ve decided you may want to buy a car. You
know what make and model you’re looking for
and you find two of them sitting on the dealer's lot.
You start to compare options, mileage and features
and find they are practically identical. As the sales
person explains the features available on each car,
you learn that one of the two cars was involved in
an accident requiring substantial repairs. You are
told that you can be assured that it is now good as
new. But can you? Would you be willing to pay the
same amount for a car that has been repaired?
In a recent 2007 Canadian study, 43% of the people
surveyed would not buy a car that was in an accident.
42% said they would buy a car that has been in an
accident but only if it was being sold for a large
So what does that say about your car? Is it worth
as much now that its been repaired as it was prior
to the accident damage? Insurance companies have been
wrestling with this question by their claimants for
many years. Does your insurance company pay for diminished
value? Has your car diminished in value because of
the repairs required by an accident? How do you know?
You don’t, but we do. DC&A is your local
diminished value professional. We make it our business
to know. We attend auto auctions nationwide, to gather
information on cars sold that have sustained accident
damage. We then compare the sale price of these damaged
and repaired vehicles to the sale price of those that
have not been in an accident. This use of comparables
gives us a percentage of loss of value for each type
of automobile. The results tell the story.
During a recent 2007-Southern Ontario dealer survey,
conducted by DC&A, we found that dealers diminished
a car’s value by 15% to 50% because it had been
involved in an accident requiring significant repairs.
Even though repairs have been made properly, there
is a loss of value due to inherent diminished value.
Should repairs be done poorly, and not up to industry
standards, there may be additional repair related
What are some of the factors that cause diminished
value? Some of these factors, but not all are:
- Overall percentage of damage to the
car versus its original value.
- Year, make or model.
- Any frame damage.
- Use of non-OEM parts. Parts
that are not the original parts placed on the car
by the manufacturer.
What does this mean for you? The diminution of value
is the difference between what your car was worth
before the accident and after the repair. Let DC&A
help you determine your car’s diminished value.
Our fee for this service is $375. Mileage of 50 cents
per km may apply.
When a vehicle has been declared a "Total Loss",
DC&A can help to independently establish the value
of the vehicle at the time of loss. Our fee for this
service is $375. Mileage of 50 cents per km may apply.
Bank Loan Value:
To establish the true market value of the vehicle
you are planning to buy, banks, credit unions and
individual lenders may require an independent appraisal.
Prompt attention is given to your appraisal needs
and appraisal reports may be faxed directly to your
lender upon your request. Our fees for this service
start at $195 and include a 2-3 business day turn
around time. Mileage of 50 cents per km may apply.