Parked car damage, Collision vs Comprehensive coverage?
 

My car was parked on the street and had the side mirror broken off and door scratched. I wasn't there and found no witnesses or other info.

ICBC has listed the claim as a hit and run. I have third party auto insurance through Canadian Direct Insurance (CDI).

With CDI a hit and run is considered a collision, and has a $500 deductible. Comprehensive (vandalism, other stuff) has a $200 deductible.

Is ICBC correctly listing the claim as a hit and run? Is there any possible way I can get this done under comprehensive coverage instead of collision?

My autobody shop quoted $300 to replace mirror and spot paint the door if I pay out of pocket, or he will fully repaint the entire door if I get insurance to pay for it.

if there is evidence that the car was damaged by another vehicle, then yes it would be considered a hit and run. If it was keyed/had the mirror bashed by a person, then it would be vandalism. Either way, you still have to pay the deduct, no?

man that sucks. if its going to cost that much.. should try to grab a mirror from ralphs and install a new mirror yourself

hope it works out for you

It sure sounds like a car hit yours and kept going which would make it a hit and run.

Under ICBC wording booklet, hit and run comes from the collision deductible. If there was a witness of some sort then you might have a case... Having insurance under CDI will this collision claim affect your future premiums if let's say there was another claim in the future ??
Posted via RS Mobile

Thanks for the replies. Claim doesn't affect future premiums with CDI as I'm not at fault.

I guess I just have to decide if I want to pay $300 out of pocket for a patch paint fix or $500 deductible for a fully repainted door.

This is one of my first incidents. I didn't know you get so screwed over even when you did nothing wrong.

I always thought any hit and run would be covered under Basic (bodily injury or collision). Can you post the source of the booklet? Thanks!
Posted via RS Mobile

I'll have to find a copy and scan it... Under basic insurance hit and run on a vehicle is covered but with a minimum deductible of $750. If you have collision coverage deductible you will pay the lesser of the 2.
Posted via RS Mobile

**googled and found this hit and run brochure**

http://www.icbc.com/csDelPrd/Satelli...%2Fhit-run.pdf

y is every1 quoting ICBC?

ur third party insurance is thought CDI rite? so your third party lib, coll and comp is through CDI rite?

at this point u should of only bought basic ($200,000) lib from icbc. Icbc doesn't care about ur car since u didnt buy coll or comp, if u wanted to claim through ICBC it would be $750 deduct

read up what CDI considers as hit and run.

my advice is to pay it off ur self. $100 difference isnt worth having a claim on ur car in case u wanna sell it in the future.

I had CDI for awhile. They were super easy to deal with, and nice and all.

Then, I had a letter come wanting a mechanics report on my car. My car was older, so I understood why they would do it, but I didn't feel the need to deal with an extra hassle of having aircare, AND some form of mechanics inspection.

So I went back to ICBC and have been there ever since.


I do like the idea that they will just come to you if they need to see your car, be it at home or work, as opposed to having to go to a claim center.