Nissan Kicks totalled off after minor accident
Hi everyone,
I’m in Ontario and my 2025 Nissan Kicks Play was recently declared a total loss after an accident that was not my fault.
The vehicle has around 25,000 km on it. My current loan payout quote is about $24,000. I have been trying to understand what the insurance company may offer as the actual cash value (ACV) and whether I may receive anything back after the lender is paid.
From what I’m seeing online, similar 2025 Kicks/Kicks Play models seem to be listed around the low-to-mid $20k range before tax, but I know insurance companies may calculate ACV differently based on comparable vehicles, mileage, trim, condition, and adjustments.
My main questions are:
- Does insurance usually include HST in the total loss payout in Ontario?
- If their offer seems low, what is the best way to dispute it?
- Should I ask for the valuation report and comparable vehicles they used?
- Since the accident was not my fault, is there any chance of getting a replacement vehicle or help with financing another vehicle?
I don’t think I have GAP insurance, so I’m trying to prepare myself before accepting any offer.
Any advice from people who have gone through a total loss claim in Ontario would be appreciated.
Edit: insurance called me and gave me a quote of 26921