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Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

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Old 07-26-2014, 08:18 AM   #1
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Comprehensive or Collision?

I was travelling on a highway at night and ran over a huge rock. The size of pho bowl. As a result I had a flat tire (punctured side wall), bent rim, and need to replace the tie rod.

To fix the damage is about $700.

I'm probably smoking crack but is there any way for this to be considered under comprehensive coverage? Just wanted to firm.
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Old 07-26-2014, 08:21 AM   #2
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Collision.
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Old 07-26-2014, 08:25 AM   #3
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As per ICBC.com

"Collision coverage covers your repair costs when you hit another vehicle, object or the surface of the road."

A collision claim will increase your premiums depending where you are at on the claims rated scale.
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Old 07-26-2014, 08:34 AM   #4
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Old 07-26-2014, 10:04 AM   #5
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Spending 500 bucks on an insurance deductible to fix 700 damage and allowing your insurance to rise over it is the only crack smoking related part of your post. Its 700 bucks, consider yourself lucky.
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Old 08-11-2014, 04:41 PM   #6
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rock came from the side of the road and "hit you" flying missile > comp

never say you hit, say it hit you.
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Old 08-11-2014, 08:19 PM   #7
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^ Or how about you be honest for fuck sake...
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Old 08-12-2014, 10:11 AM   #8
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So let me get this straight, you were smoking crack, and ran over a rock?? Why didn't you just pull over to do it?
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Old 08-12-2014, 10:19 AM   #9
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Spending 500 bucks on an insurance deductible to fix 700 damage and allowing your insurance to rise over it is the only crack smoking related part of your post. Its 700 bucks, consider yourself lucky.
yeah no shit. just get it fixed outside of icbc for $700. there are no other parties involved in the matter, not even sure why you would bother to go to icbc in the first place...
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Old 08-12-2014, 10:24 AM   #10
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So let me get this straight, you were smoking crack, and ran over a rock?? Why didn't you just pull over to do it?
I think he was smoking rock and ran over a crack
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Old 08-12-2014, 10:59 AM   #11
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He was smoking rock and it fell in his crack? Mmmmm...pho.....
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Old 08-15-2014, 08:22 AM   #12
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How does one NOT SEE a rock the size of a bowl of pho?!

Consider it a lesson learned, keep your eyes on the road!
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Old 08-15-2014, 09:23 AM   #13
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Maybe because it was at night?!
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