Making a Vehicle Damage Claim - Revision history

Drew Jackson: /* Explore further */

2024-03-08T00:20:32Z

Explore further

← Older revision		Revision as of 00:20, 8 March 2024
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	{{PLSTipsbox		{{PLSTipsbox
	\| text = '''Deeper coverage of vehicle damage claims'''<br>		\| text = '''Deeper coverage of vehicle damage claims'''<br>
	For more detail, including the steps to make a vehicle damage claim, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School's coverage of vehicle damage claims].		For more detail, including the steps to make a vehicle damage claim, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School coverage of vehicle damage claims].
	}}		}}

	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
	{{Dial-A-Law Copyright}}		{{Dial-A-Law Copyright}}

Drew Jackson: /* Explore further */

2024-03-08T00:18:42Z

Explore further

← Older revision		Revision as of 00:18, 8 March 2024
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	{{PLSTipsbox		{{PLSTipsbox
	\| text = '''Deeper coverage of vehicle damage claims'''<br>		\| text = '''Deeper coverage of vehicle damage claims'''<br>
	For more detail, including the steps ~~to take~~ to make a vehicle damage claim, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School's coverage of vehicle damage claims].		For more detail, including the steps to make a vehicle damage claim, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School's coverage of vehicle damage claims].
	}}		}}

	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
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Drew Jackson at 00:17, 8 March 2024

2024-03-08T00:17:59Z

← Older revision		Revision as of 00:17, 8 March 2024
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	{{REVIEWEDPLS \| reviewer = [https://www.icbc.com/ Krista Prockiw] of ICBC \|date= February 2024}} {{Dial-A-Law TOC\|expanded = cars}}		{{REVIEWEDPLS \| reviewer = [https://www.icbc.com/ Krista Prockiw] of ICBC \|date= February 2024}} {{Dial-A-Law TOC\|expanded = cars}}
	If your car is damaged in an accident — or you damage someone else’s car — insurance may cover the damage. Learn ~~the steps~~ to ~~make a~~ '''vehicle damage ~~claim~~'''.		If your car is damaged in an accident — or you damage someone else’s car — insurance may cover the damage. Learn answers to common questions relating '''vehicle damage claims'''.

	==Common questions==		==Common questions==
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	{{PLSTipsbox		{{PLSTipsbox
	\| text = '''Deeper coverage of vehicle damage claims'''<br>		\| text = '''Deeper coverage of vehicle damage claims'''<br>
	For more detail, including the steps to take, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School's coverage of ~~making a~~ vehicle damage ~~claim~~].		For more detail, including the steps to take to make a vehicle damage claim, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School's coverage of vehicle damage claims].
	}}		}}

	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
	{{Dial-A-Law Copyright}}		{{Dial-A-Law Copyright}}

Drew Jackson: /* Explore further */

2024-03-07T23:00:46Z

Explore further

← Older revision		Revision as of 23:00, 7 March 2024
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	{{PLSTipsbox		{{PLSTipsbox
	\| text = '''Deeper coverage of vehicle damage claims'''<br>		\| text = '''Deeper coverage of vehicle damage claims'''<br>
	For more, see ~~our in-depth information on~~ [https://www.peopleslawschool.ca/vehicle-damage-claim/ making a vehicle damage claim].		For more detail, including the steps to take, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People's Law School's coverage of making a vehicle damage claim].
	}}		}}

	{{Dial-A-Law_Navbox\|type=consumer}}		{{Dial-A-Law_Navbox\|type=consumer}}
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Drew Jackson: /* Common questions */

2024-03-07T23:00:01Z

Common questions

← Older revision		Revision as of 23:00, 7 March 2024
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	If ICBC finds you were 100% at fault for the accident, '''collision insurance''' can cover the cost of repairs to your vehicle. This is optional insurance coverage. If you don’t have it, you’ll typically be on the hook for the cost of repairs.		If ICBC finds you were 100% at fault for the accident, '''collision insurance''' can cover the cost of repairs to your vehicle. This is optional insurance coverage. If you don’t have it, you’ll typically be on the hook for the cost of repairs.

	If you and the other driver share responsibility for the accident, your basic insurance will cover the non-responsible portion of your repair costs, up to $200,000. For a closer look, see ~~our~~ [https://www.peopleslawschool.ca/vehicle-damage-claim/ in-depth guidance on making a vehicle damage claim].		If you and the other driver share responsibility for the accident, your basic insurance will cover the non-responsible portion of your repair costs, up to $200,000. For a closer look, see [https://www.peopleslawschool.ca/vehicle-damage-claim/ the People’s Law School’s in-depth guidance on making a vehicle damage claim.].

	===If I was at fault, will my insurance premiums go up?===		===If I was at fault, will my insurance premiums go up?===

Elena Renderos at 07:01, 3 March 2024

2024-03-03T07:01:38Z

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Elena Renderos at 06:37, 30 September 2023

2023-09-30T06:37:13Z

← Older revision		Revision as of 06:37, 30 September 2023
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	{{REVIEWEDPLS \| reviewer = Janet Mackinnon and Krista Prockiw of ICBC \|date= February 2019}} {{Dial-A-Law TOC\|expanded = cars}}		{{REVIEWEDPLS \| reviewer = [https://www.icbc.com/ Janet Mackinnon] and [https://www.icbc.com/ Krista Prockiw] of ICBC \|date= February 2019}} {{Dial-A-Law TOC\|expanded = cars}}
	If your car is damaged in an accident — or you damage someone else’s car — insurance may cover the damage. Learn the steps to make a '''vehicle damage claim'''.		If your car is damaged in an accident — or you damage someone else’s car — insurance may cover the damage. Learn the steps to make a '''vehicle damage claim'''.

Elena Renderos at 04:42, 27 September 2023

2023-09-27T04:42:51Z

← Older revision		Revision as of 04:42, 27 September 2023
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	{\| class="wikitable"		{\| class="wikitable"
	\|align="left"\|'''Alert!'''		\|align="left"\|'''Alert!'''
	On May 1, 2021 a law came into effect that changed how ICBC insurance works. A motor vehicle accident that occurs in BC after that date is covered by a new insurance model, called enhanced care. We're currently updating this content to reflect the changes. In the meantime, [https://www.icbc.com/insurance/products-coverage/Pages/basic-insurance.aspx visit ICBC's website for details].		On May 1, 2021 a law came into effect that changed how ICBC insurance works. A motor vehicle accident that occurs in BC after that date is covered by a new insurance model, called '''enhanced care'''. We're currently updating this content to reflect the changes. In the meantime, [https://www.icbc.com/insurance/products-coverage/Pages/basic-insurance.aspx visit ICBC's website for details].

	\|}		\|}

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	If you’re not happy with ICBC’s decision on fault or the amount they offer to settle your claim, you have options:		If you’re not happy with ICBC’s decision on fault or the amount they offer to settle your claim, you have options:
	# '''Ask a manager to review your claim'''. You can ask a manager at the centre handling your claim to review your case.
	# '''Apply for a claims assessment review'''. [https://www.icbc.com/claims/disputes-appeals/Pages/responsibility-assessment-disputes.aspx You can apply for a claims assessment review], known as a CAR. You have 60 days after ICBC tells you its decision to apply for a review.		#'''Ask a manager to review your claim'''. You can ask a manager at the centre handling your claim to review your case.
			#'''Apply for a claims assessment review'''. [https://www.icbc.com/claims/disputes-appeals/Pages/responsibility-assessment-disputes.aspx You can apply for a claims assessment review], known as a CAR. You have 60 days after ICBC tells you its decision to apply for a review.

	===Step 4. Use arbitration for your dispute===		===Step 4. Use arbitration for your dispute===
	If you’re still not satisfied, the [https://www.canlii.org/en/bc/laws/regu/bc-reg-447-83/latest/bc-reg-447-83.html#sec177_smooth Insurance (Vehicle) Regulation] lets you use arbitration for your dispute. If you want to use arbitration, you must apply within two years after the loss or damage to your vehicle occurred. If you and ICBC can’t agree on the choice of an arbitrator, ~~the~~ [https://adrbc.com/ ADR Institute of BC can appoint an arbitrator].		If you’re still not satisfied, the [https://www.canlii.org/en/bc/laws/regu/bc-reg-447-83/latest/bc-reg-447-83.html#sec177_smooth Insurance (Vehicle) Regulation] lets you use arbitration for your dispute. If you want to use arbitration, you must apply within two years after the loss or damage to your vehicle occurred. If you and ICBC can’t agree on the choice of an arbitrator, [https://adrbc.com/ the ADR Institute of BC can appoint an arbitrator].

	The arbitrator must promptly meet or communicate with both you and ICBC, gather relevant information, and set a date for a decision.		The arbitrator must promptly meet or communicate with both you and ICBC, gather relevant information, and set a date for a decision.
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	If ICBC finds you were more than 25% at fault for an accident that results in a claim — by you or the other driver — ICBC will usually increase your insurance premium the next year. If you have another claim, the increase will be even greater.		If ICBC finds you were more than 25% at fault for an accident that results in a claim — by you or the other driver — ICBC will usually increase your insurance premium the next year. If you have another claim, the increase will be even greater.

	If ICBC finds you at least 50% at fault in three crashes within three years, and they all result in claims, [~~http~~://www.icbc.com/driver-licensing/tickets/Pages/~~Multiple~~-~~crash~~-~~premium~~.aspx you’ll have to pay an additional multiple crash premium of $1,000]. And for each additional at-fault crash within the three years, you’ll have to pay another $500.		If ICBC finds you at least 50% at fault in three crashes within three years, and they all result in claims, [https://www.icbc.com/driver-licensing/tickets/Pages/Driver-Risk-Premium.aspx you’ll have to pay an additional multiple crash premium of $1,000]. And for each additional at-fault crash within the three years, you’ll have to pay another $500.

	===Can I pay for the damage myself without involving ICBC?===		===Can I pay for the damage myself without involving ICBC?===
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	===Will my insurance cover me if I was drinking and driving?===		===Will my insurance cover me if I was drinking and driving?===
	If you were drinking and driving or under the influence of drugs when you had your accident, or you’re convicted of a ''Criminal Code'' offence related to motor vehicles, you’ll have problems claiming insurance because you may have violated your insurance contract. If you’re charged with any criminal offence relating to a vehicle accident, you should consult a lawyer. [~~[Drinking and Driving (Script 190)\|~~See our information on drinking and driving]].		If you were drinking and driving or under the influence of drugs when you had your accident, or you’re convicted of a ''Criminal Code'' offence related to motor vehicles, you’ll have problems claiming insurance because you may have violated your insurance contract. If you’re charged with any criminal offence relating to a vehicle accident, you should consult a lawyer. [https://dialalaw.peopleslawschool.ca/impaired-driving/ See our information on drinking and driving].

	===What if I have a complaint with ICBC?===		===What if I have a complaint with ICBC?===

Drew Jackson at 21:42, 26 September 2023

2023-09-26T21:42:22Z

← Older revision		Revision as of 21:42, 26 September 2023
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	{{REVIEWEDPLS \| reviewer = Janet Mackinnon and Krista Prockiw of ICBC \|date= February 2019}} {{Dial-A-Law TOC\|expanded = cars}}		{{REVIEWEDPLS \| reviewer = Janet Mackinnon and Krista Prockiw of ICBC \|date= February 2019}} {{Dial-A-Law TOC\|expanded = cars}}
	If your car is damaged in an accident — or you damage someone else’s car — insurance may cover the damage. Learn the steps to make a '''vehicle damage claim'''.		If your car is damaged in an accident — or you damage someone else’s car — insurance may cover the damage. Learn the steps to make a '''vehicle damage claim'''.

			{\| class="wikitable"
			\|align="left"\|'''Alert!'''
			On May 1, 2021 a law came into effect that changed how ICBC insurance works. A motor vehicle accident that occurs in BC after that date is covered by a new insurance model, called enhanced care. We're currently updating this content to reflect the changes. In the meantime, [https://www.icbc.com/insurance/products-coverage/Pages/basic-insurance.aspx visit ICBC's website for details].

			\|}

	==What you should know==		==What you should know==

Elena Renderos at 04:14, 11 September 2020

2020-09-11T04:14:32Z

Show changes