[undercoverbrother]

http://www.finance.alberta.ca/public...collision.html

Disagreements and dispute resolution

If the amount of damage to your vehicle is being disputed, or other disagreements arise over your vehicle’s repair, and all attempts to negotiate have failed, a formal arbitration process is open to you.

If you choose to follow this procedure, you will be responsible for your share of the cost involved.

To start the appraisal procedure, submit a proof of loss claim form available from your insurer and send a written request to your insurance company
A three-member group will resolve the dispute.

You choose an appraiser, your insurance company chooses one, and the two appraisers appoint an umpire.

An appraiser can be anyone either party considers to be qualified to present its side of the dispute.

Each side pays for its own appraiser and half the cost of the umpire.

The decision of any two of these three people is binding.