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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 11-25-2011, 06:13 PM   #26
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Some of you might of seen my earlier thread about my bumper flying off along with my front lip and left fog lights on the highway. It was probably due to something on the road. Still unsure of cause. Anyways I went to ICBC and had a nice conversation with the girl who seemed very nice and empathetic. Told her about everything that was done to the car and she even complimented it.

I got my quote today via email and surprisingly enough she included new fog lights and a new front lip along with everything else that'd i'd expect. I didn't think they would cover such modifications that didn't come stock with the car. Very pleasantly surprised !
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Old 11-25-2011, 06:21 PM   #27
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Who cares.
Good for you on getting what you wanted, hope they don't fuck you up the but later down the road.
It's not about 'caring', it's just that the OP should know that if he claimed it as an at-fault accident, he might have got a few hundred dollars in parts, but his jump on the ICBC CRS is going to be massive. I'm guessing 6 steps, in which case he should just pay out of his pocket instead of paying +40% on insurance next year.
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Old 11-25-2011, 06:24 PM   #28
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Exactly if it's a single vehicle at fault collision against his insurance by the time his rates are back to where they are now OP would have paid more in the insurance premiums than the cost to simply fix it himself.

Still waiting to see what OP claimed it under.

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Old 11-26-2011, 11:33 PM   #29
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It's not about 'caring', it's just that the OP should know that if he claimed it as an at-fault accident, he might have got a few hundred dollars in parts, but his jump on the ICBC CRS is going to be massive. I'm guessing 6 steps, in which case he should just pay out of his pocket instead of paying +40% on insurance next year.
Hence me saying hope the don't fuck him up the but come renewal time. The way I see it he is either going to have the options of paying it off come renewal or having his premium go up if I'm not mistaken.

Lol maybe that's why the girl was so nice to you, "poor sucker has no idea he is going to be paying am arm and a leg on premiums."
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Old 11-26-2011, 11:45 PM   #30
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What's with the speculation, he can just call in and ask.
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Old 11-30-2011, 12:46 AM   #31
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icbc will replace your vehicle to as if it was never in one. Basically turning back time.

Exterior mods are included, but only up to a certain limit.(i dont quite remember, i think its only up to $5000 for anything. Sound System i think is only up to $1000 if its bolted down)

"""I got my quote today via email and surprisingly enough she included new fog lights and a new front lip along with everything else that'd i'd expect. I didn't think they would cover such modifications that didn't come stock with the car. Very pleasantly surprised !"""

icbc usually doesn't usually do that. unless u wanted icbc to help u out with it and they give u a quote of how much it would be. U prob got it under collision coverage which will actually bump up ur insurance. Now a lot ppl think its gonna bump u into surcharge, that's only the case if ur only at like -15% discount area. If ur into the -43% USUALLY it only makes a difference of about $50/yr. drop by any autoplan and get them to check out how much it would cost u more if u ever to get into an accident (claiming under collision)

Call or e-mail back ur rep/adjuster and ask her how will this effect u after everything is done. U MITE wanna fix it ur self if its under or near your deductible.
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Old 11-30-2011, 12:59 AM   #32
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Where's the Op?
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Old 11-30-2011, 02:24 AM   #33
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Is this the same guy that was blaming his tuner shop for not installing his bumper correctly? He was positive that he didn't hit anything on the road and that it was due to poor workmanship. Now it's an ICBC claim, single vehicle accident?

Also, he must be new to this insurance game. Deductible + premiums will be ten fold the price of buying a used bumper, painting and installing it.
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Old 11-30-2011, 11:19 AM   #34
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Old 11-30-2011, 11:55 AM   #35
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Now a lot ppl think its gonna bump u into surcharge, that's only the case if ur only at like -15% discount area. If ur into the -43% USUALLY it only makes a difference of about $50/yr. drop by any autoplan and get them to check out how much it would cost u more if u ever to get into an accident (claiming under collision)
Do you really think the OP sounds like someone who has been driving for 10 years and is now in the -43% category?

Even if you were at -30%, for a small accident, it's probably not worth it to have ICBC pay it out. You might be paying slightly more per year, but you also have to factor in how much you COULD have been saving if you continued to move down the scale.
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Old 11-30-2011, 12:19 PM   #36
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So OP stopped talking hmmm

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Old 11-30-2011, 01:08 PM   #37
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rs made op stop talking

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Old 11-30-2011, 02:08 PM   #38
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what was the shop called again? the one that he claimed for poor craftsmanship
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Old 11-30-2011, 04:49 PM   #39
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Old 11-30-2011, 05:27 PM   #40
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Maybe he just paid the $300 or $500 deductible and the premium doesn't go up if he is able to show that it wasn't his fault and it was just bad luck, no? *think windshield repair*

If he didn't pay anything, most likely he will be charged a premium.

Waiting on the respond from OP.
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Old 11-30-2011, 05:33 PM   #41
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Do you really think the OP sounds like someone who has been driving for 10 years and is now in the -43% category?

Even if you were at -30%, for a small accident, it's probably not worth it to have ICBC pay it out. You might be paying slightly more per year, but you also have to factor in how much you COULD have been saving if you continued to move down the scale.
i wasn't sayin the op is at a 43%, its just wat ppl always seem to think.
That would be true, at times it mite not be worth it. thats y i said go see your autoplan agent and they can tell u how much more it will be. But it doesnt matter when ur at the lower -43% catagory, % u "could" be saving is still -43% less 1-3% on the side for optional.
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