icbc does not cover personal contents left in vehicle. Only covers contents that are attached to the vehicle or bolted to vehicle and may only cover up to a limit (ie. Stereo is installed into vehicle coverage up to $1000 max including all sound equipment such as amplifiers subwoofers and such) with comprehensive coverage. Additional insurance for excess stereo equipment would have to be purchased to cover the exceeding $1000. I believe for aftermarket modifications such as body kits, spoilers, wheels exhaust and performance parts up to $5000 part of comprehensive coverage.
Usually sunglasses, watches, clothes and such are NOT covered from icbc.
Its ICBC's job to NOT cover as much as they can in most cases..
As for exceeding the 22 day period, if the vehicle is still in the hands of icbc at the moment speak with the claim centre manager. Tell them your case was not handled in protocol and that you should have been paid out for the vehicle at the 22nd day as per the icbc regulations and your "estimator" did a poor job in following those regulations by neglecting to come into contact with you.
That is if you want cash instead of your vehicle back.
That beind said, if you do decide to get your vehicle back, ask them to have the entire interior vehicle sanitized and mechanically inspected before accepting the vehicle back.
As well did you know; if you have an immobilizer system of some sort ie. Alarm or Touchkey from bcaa or even a club for the steering wheel, any sort of immobilizer anti-theft device, icbc will waive the deductable if your vehicle is stolen. Not a lot of people are aware of that "right" with icbc.