i just went through 2 different H&Rs and i get you on both procedures
1. H&R With LP - Cops picked up the car and took it to the inspection center, after getting both statements, they came back with the other person 100% at fault, no Deductable for me
2. H&R with No LP - called ICBC, arranged claim, went to inspection center, took my statement, checked damages (1700+) told me ot get it repaired and pay the 300$, both are considered a Comp claim, so your rates dont go up, but if you get caught for a fraud, you pay the full repair, and some extras to ICBC for wasting thier time.
2002 Nissan Sentra SpecV - 2.5L 6 Speed FTW
1974 Chevy Vega Wagon --> RaceCar!
1968 Pontiac Firebird Sprint --> 4.1L I6!
Street Car --> 15.45 | Vega --> 11.65