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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 09-22-2012, 11:34 PM   #1
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coverage for rock chips?

does anyone know if icbc covers rock chips ? my front hood and bumper has paint chips everywhere...i bought touch up paint from honda but the paint turned out a diff color, it was the correct paint code. thanku
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Old 09-22-2012, 11:40 PM   #2
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No. That's normal wear and tear.
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Old 09-22-2012, 11:48 PM   #3
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They will cover it but you will pay your deductible. The hood and windshield count as one panel and each other part like fender or bumper have their own separate deductible. So bumper + hood = you pay two deductibles

At least that's what they told me last week
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Old 09-22-2012, 11:52 PM   #4
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so 600 total? do the shops that icbc provide usually spray the clear coat over also?
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Old 09-23-2012, 08:07 PM   #5
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OMG... Just wait that the whole car needs a paint job, you can deal with it then...
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Old 09-23-2012, 08:32 PM   #6
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Edit: my reply was for windshield.
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Old 09-24-2012, 09:18 AM   #7
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You can get it covered under one deductible
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Old 09-24-2012, 09:51 AM   #8
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Y U no call ICBC?



They get paid for answering these types of questions plus you won't get conflicting answers.
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Old 09-24-2012, 09:54 AM   #9
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You can get it covered under one deductible
+1 but if you touched it up they probably wont cover it. It needs to look like all the rock chips your claiming happened under one incident.
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Old 09-24-2012, 10:18 AM   #10
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Yes.

It is an insurable loss - provided it happened at one time.
every seperate incident is a seperate claim.

I've submitted multiple claims (I work for Boyd Autobody) for rock chips claims, and have in some circumstances, had complete cars repainted.
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Old 09-24-2012, 10:27 AM   #11
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Would I have to get it appraised at an ICBC center?

I bought a car at a big discount due to rock chips on front bumper and hood, and have been looking into repainting it assuming it was wear/tear...

But if I were to go to ICBC, what would my options be?
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Old 09-24-2012, 10:37 AM   #12
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^ ICBC claims are based on incidents, not wear and tear. So you would need to demonstrate that the rock chips happened from one incident, then they would cover you. If they're the result of a few years of highway driving, I believe they won't cover you.
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Old 09-24-2012, 10:39 AM   #13
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Quote:
Originally Posted by inv4zn View Post
Would I have to get it appraised at an ICBC center?

I bought a car at a big discount due to rock chips on front bumper and hood, and have been looking into repainting it assuming it was wear/tear...

But if I were to go to ICBC, what would my options be?
I guess you may be able to get it under one deductible if the previous owner(s) have never brought their vehicle in and had the rock chips documented AND you could somehow prove the chips came on one single incident

Mine was legitimately one incident (dumb overfilled gravel truck) with the exception of two or three chips and got in a heated discussion with the manager who ultimately offered to cover them with five separate deductibles, so best of luck...
(This was at Surrey ICBC claim center)
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Old 09-24-2012, 11:11 AM   #14
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So I guess I'm out of luck with ICBC.

Chips are old and weathered, so I can't prove they're from one incident. Car is from Honda dealership so I donno previous owner.

And 5 deductibles is $1.5k...which is 2x what bodyshops are quoting to just repaint...lol
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Old 09-24-2012, 11:37 AM   #15
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Old 09-24-2012, 11:38 AM   #16
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Yeah... And that wasn't even going to cover the chips on the side mirrors

It ended up being (slightly) cheaper to claim the hood and windshield under the one deductible and not go through ICBC for the rest
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