REVscene - Vancouver Automotive Forum

Welcome to the REVscene Automotive Forum forums.

Registration is Free!You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today! The banners on the left side and below do not show for registered users!

If you have any problems with the registration process or your account login, please contact contact us.

Go Back   REVscene Automotive Forum > Automotive Chat > Vancouver Auto Chat

Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n

Thread Tools
Old 02-06-2018, 12:21 AM   #1
Even when im right, is still right!
Mr.C's Avatar
Join Date: Aug 2010
Location: Richmond
Posts: 1,354
Thanked 1,776 Times in 444 Posts
Multiple Comprehensive claims question

Did a search online and the ICBC website wasn't too clear.

Around 8 months ago, a truck passed me on the highway spraying gravel everywhere, and chipped my windshield and hood. Claimed it under comprehensive.

This evening, I noticed what appears to be a door dent in the rear fender of my car. Pretty deep, and right on the crease. I doubt a PDR will fix it.

Will claiming the dent affect my comprehensive deductible? Should I just suck it up and pay for the repair/rear quarter repaint?

Thanks all.
Have an E38? Check out!
Mr.C is offline   Reply With Quote
Old 02-06-2018, 06:55 AM   #2
"Entertainment" mod.
CorneringArtist's Avatar
Join Date: Feb 2009
Location: Surrey, BC
Posts: 4,824
Thanked 3,123 Times in 948 Posts
You would have to claim the dent under a new claim number, and if anything, it might be a collision claim. Get a quote for the repair and see if it's worth eating the out of pocket cost over a premium increase.
CorneringArtist is offline   Reply With Quote
Old 02-06-2018, 07:04 AM   #3
I'm invisible
Edison_Chen's Avatar
Join Date: Jun 2002
Location: 604 Vancouver
Posts: 4,400
Thanked 151 Times in 84 Posts
If it does get claimed, and can’t find who did it, you will forced to pay the deductible. I would probably call dial a claim to ask if the dent is considered comprehensive or collision (hit and run)?
Edison_Chen is offline   Reply With Quote
Old 02-06-2018, 07:11 AM   #4
My dinner reheated before my turbo spooled
SSM_DC5's Avatar
Join Date: Sep 2004
Location: Canada
Posts: 1,733
Thanked 511 Times in 200 Posts
PDR can be done on creases.
SSM_DC5 is offline   Reply With Quote
Old 02-06-2018, 10:34 PM   #5
I Will not Admit my Addiction to RS
Join Date: Oct 2011
Location: Richmond
Posts: 555
Thanked 431 Times in 125 Posts
Originally Posted by Edison_Chen View Post
If it does get claimed, and can’t find who did it, you will forced to pay the deductible. I would probably call dial a claim to ask if the dent is considered comprehensive or collision (hit and run)?
There is always a deductible you'll have to pay, that's just how insurance works (unless you found the liable party).

Like what Edison said, you can call dial a claim first and ask if it'll be covered under comp or H&R. Once a claim has been created, you'll either bring it to an ICBC express valet shop or Claim Centre for assessment. The estimator will review and determine if the damage is consistent with either a comp or H&R claim. Both types of claim will not affect your insurance.

However, if the estimator reviews the damage and, under the suspicion, believes the damage is not consistent with the type of loss, then ICBC CAN still cover it as a collision claim but there will be an impact on your insurance. At this point, you can go and see how much it will cost to fix out of pocket. As long as you don't pay your deductible, your insurance won't be covering for the repair (no impact on your insurance).

hope this helps?
Originally Posted by hchang View Post
Can't get pussy if you are a pussy
Posted via RS Mobile
E.D.C.5 is offline   Reply With Quote

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off

All times are GMT -8. The time now is 04:52 AM.

Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
SEO by vBSEO ©2011, Crawlability, Inc. cannot be held accountable for the actions of its members nor does the opinions of the members represent that of