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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 03-14-2011, 03:42 PM   #26
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I believe $2500 is the max you can get. $1000+ deductibles are more for companys with fleet vehicles. Not sure why any one person would get a $1000 deductible.
I have $1000 deductible on my insurance; reason, my insurance rates are extremely high because I have an at fault accident from three years ago. Opting for the $1000 deductible is a huge savings on my insurance, while still giving me a degree of protection if I have any serious damage done to my vehicle.
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Old 03-14-2011, 08:14 PM   #27
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It can go higher than $2500, but it has to be approved by the ICBC underwriting department. It is usually for people who have many many claims, and ICBC decides to hike up the deductible..
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Old 03-15-2011, 08:16 AM   #28
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pay for it out of your pocket now to prevent any possibly fraud charges.

switch insurance plan to a $300 deductible for a next time. Trust me, it is worth it!

i've had friends with their whole car keyed and windows smashed and $1000 is still a lot.

I've had my car keyed before, and 1 hit and run right after my car got back from the body shop. $300 deductibles save your ass!
Except, this is a collision claim, not a comprehensive claim.

I agree with keeping a low comprehensive deductible. You only pay your collision deductible in the event of an accident in which you are at fault or share a significant percentage of the fault.
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Old 03-15-2011, 08:42 PM   #29
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adjusters/body shops can give you a brief estimate on whether or not the damage is new. It's best not to lie to these people as they're very street savvy. The saying goes - don't con a con.
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Old 03-15-2011, 09:09 PM   #30
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adjusters/body shops can give you a brief estimate on whether or not the damage is new. It's best not to lie to these people as they're very street savvy. The saying goes - don't con a con.
Don't really see what you're trying to imply there...

Since the thread keeps bumping so might as well post the update. I talked with ICBC and they simply said it cannot be covered under my insurance. They just asked when the incident happened and I explained how I received the car as is from previous owner with the damage. I think I got my answer.
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Old 03-15-2011, 11:50 PM   #31
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hit and run regardless of ur deductible should be $750 (unless the initial deductible was below $750)

yes there are 1000/2500 options for both coll/comp;
This deductible is usually imposed on a person who has too many of either claim
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Old 03-16-2011, 12:48 AM   #32
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I have $300 deductible comprehension for my car, you'll never know when shit hits the fan.

I had it on my del sol, and came in handy cause a thief tried to steal it, but at the time my clutch was toast so thief couldn't even move it.
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