What is a “lemon?”

A U.S. brand attached to a vehicle that could not be fixed by the manufacturer within the requirements of the issuing state’s requirements. The definition of a lemon varies from state to state, but once a vehicle is branded a lemon, there are various legal remedies available to the consumer, which may include the manufacturer buying back or replacing the vehicle. Note that the warranty was likely nullified when this brand was applied. 


As lemon brand issued by one jurisdiction may not carry over to another, the vehicle may still be considered safe for operation on public roads in another jurisdiction.


We would advise that you get the vehicle inspected to verify its current condition and that you speak with your provincial motor vehicle registration authority for more information regarding the ability to register and operate the vehicle in your province.


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What is a “non-collision (repair estimate)?”

This describes damages that did not result from a collision with another vehicle. Examples are hail damage, vandalism etc.


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly.


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What is a "Police Reported Accident" record?

A data record reflecting accident and/or damage details contained on a collision report filed by law enforcement.


Police reported accident records will normally reflect the following:


  • Incident date
  • Province (or state) in which the collision report was filed
  • Brief description of the incident
  • Damage severity (as recorded by law enforcement)



Not all police reported accident records will contain all of the above information. Police reported accident records will not contain a dollar value associated with the damages.


If you believe that a police reported accident record reported about your VIN has been reported incorrectly or contains incorrect information/details, please see: I believe information on my CARFAX Canada Vehicle History Report is inaccurate. What do I do?


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly.


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What is a zero-dollar ( $0.00 ) claim?

Indicates damage has occurred, however the claim amount shows as zero dollars because:


  • The claim has not yet been paid or settled. It’s possible that the claim is new and the information is not yet updated. Be mindful of the claim date and the CARFAX Canada Vehicle History Report purchase date
  • The insured did not follow through on a reported claim. Typically, they either decided to pay out of pocket or did not follow through with any repairs, as damage was minimal
  • The insurance company denied the claim (i.e. the insured was under the influence while driving or did not have comprehensive coverage)
  • The insurance company recovered the cost of repairs from another insurance company after initially paying for the repairs
    • If the insurance company did not pay for the repairs but another party's insurance did, the claim amount may be reported as a negative dollar amount
  • In instances of a total loss claim and/or vehicle being branded Salvage by ICBC, a $0.00 claim will be reported by ICBC
  • In rare circumstances, the insurance company offsets the claim amount by the amount recovered through the sale of the vehicle 



We are not able to obtain nor provide further details pertaining to the claim amount.


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly.


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What is the difference between an estimate and a claim?

The estimate or estimate repair on a CARFAX Canada Vehicle History Report represents the estimated value associated with the damage, while the claim amount represents the total dollar value paid out by the insurance company to repair or replace the vehicle (see: Total loss), or the recovery amount.


The insurance claims identified in the Vehicle History Report do not include any medical payouts, damage to other vehicles, damage to property, towing, rental cars or any other incidental damages.


For more information, please contact the seller/owner of the vehicle. They may be able to provide additional information.


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly.


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Why are there two different estimates for the same incident date?

Some owners will visit multiple estimate facilities to evaluate the damage before sending the final number to their insurance company. 


The appraiser may have also found additional damage and completed a supplemental estimate.


Please note we are not able to obtain nor provide further details from our sources pertaining to the estimate records.


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly.


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Why does my CARFAX Canada report show an accident but it does not provide a dollar value?

While we are the most comprehensive vehicle history reporting service in Canada, a report is based only on information supplied to CARFAX Canada by participating data sources. There may be other information about this vehicle that has not been reported to CARFAX Canada.


Accident records without a dollar value included may occur when:




Please note we are not able to obtain nor provide further details from our sources pertaining to the damage records.


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly.


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Why does the estimate show “total loss,” but the vehicle was neither branded as “salvage” or “rebuilt?”

It is possible to see an indication of “Total Loss” on the report without the vehicle being branded.


Total loss is an insurance company term noting that the cost to repair the vehicle is nearing and/or exceeds the vehicle’s current market value.


When the estimated cost to repair the vehicle meets this threshold, the estimate facility will flag the vehicle for Total Loss consideration. This would also occur if the estimate facility is appraising the vehicle in instances where the insurance company is considering/has determined that they will be replacing the vehicle for the insured.


It is up to the insurance company and/or province whether the vehicle is branded.


We are not able to obtain nor provide further details pertaining to the damage records.


Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic and/or auto technician to make sure the vehicle is functioning properly. We would also recommend speaking with your provincial vehicle registration authority to further ensure vehicle can be registered with and operated in your province.


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Why is the claim amount higher than the value of the vehicle?

This can happen when a waiver of depreciation endorsement (i.e.,OPCF 43 or 43r) is attached to the insurer’s policy. When applied, it will result in a total loss claim, meaning the insurance company will either replace the vehicle with a newer model or repay the MSRP value of the vehicle. Coverage is granted for a period of time designated by the insurance company.


For more information, see:



Before you buy a used car, we recommend that you get a CARFAX Canada Vehicle History Report, take a thorough test drive and have the vehicle inspected by a qualified mechanic or auto technician to make sure the vehicle is functioning properly.


We also recommend speaking with your provincial vehicle registration authority to further ensure the vehicle can be registered with, and operated in, your province.


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Why is the estimate location different from the incident location?

The insurance company’s head office location can sometimes appear as the estimate location. This does not necessarily mean that the vehicle was in that location.


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