Let's play guess the repair cost

[dark0821]

if its not write off, the Audi will be $20K easy....

[RabidRat]

Originally Posted by GLOW

i have to admit, when i see a car with damage on it, i stay a few car lengths away from you.

it's like someone with battle scars from fights, i don't want none of it!

I'm getting really excited about this.

Next time I get in a collision, I'm just going to leave the car like that. Custom plate: "IM CRAZY" or "BAD MAN" or something.

[bcrdukes]

Originally Posted by RabidRat

Wha? I think you need to shop around. Our '17 Highlander is only a little over $1k/year. We're with TD: you might want to try grabbing a quick quote off their online tool.

What are your premiums and is it used for commuting? And how many annual KMs?

[RabidRat]

What do you mean what are our premiums? Isn't that the $1k/year? You mean the other car? The '20 i3 is $1329/year.

It's set to 10000-15000 km/year.

It's currently not used for commuting, but I went into my account just now and re-quoted it for commuting: it's only a $16/year increase.

[bcrdukes]

Sorry, what I mean is what are your deductibles?

I use my car to commute, and we are headed back to five days in office starting next year, and I work in Brampton. Damn, I need to move out of Mississauga and find a new job.

[RabidRat]

Yes but it quoted a $16 (sixteen!) dollar difference a year to make it for commuting though.

500 / 500 / 2 mil

edit: I re-quoted it now for not only commuting, but 15,000-20,000km & year 20-25km commute distance one-way:
$61 (sixty-one) dollar difference a year.

Just saying... next time you price out insurance, use the TD tool. There's a non-zero chance you're being had on your insurance.

[bcrdukes]

Originally Posted by RabidRat

Yes but it quoted a $16 (sixteen!) dollar difference a year to make it for commuting though.

500 / 500 / 2 mil

edit: I re-quoted it now for not only commuting, but 15,000-20,000km & year 20-25km commute distance one-way:
$61 (sixty-one) dollar difference a year.

Just saying... next time you price out insurance, use the TD tool. There's a non-zero chance you're being had on your insurance.

Just played with it.

TD ends up costing me $300 more per year.

[RabidRat]

Ok, that's really odd that you're still getting $2000+ premiums on beaters.

Next time you're pricing out a beater, I'd be curious to plug it in myself and see what they quote me.

[SSM_DC5]

Question for you peeps who may have gone through the process in the recent years now that more and more things are online based.

For the... "Vehicle ownership transfer agreement" that icbc asks you to E-sign.... It says

By clicking to sign the agreement, I agree that:
ICBC can tow the vehicle for me, and inspect it.
If ICBC determines that it is not economical to repair my vehicle, then:
I thereby transfer all rights in the vehicle to ICBC; and
ICBC may proceed to sell or dispose of the vehicle; and
ICBC will pay the amount to which I am entitled for the value of the vehicle.

If I sign this and they determine the car as total loss, then automatically, the car is ICBC's property and I don't need to physically sign the tax transfer form anymore? Or will I still need sign the tax transfer form?

[JDMDreams]

Umm according to my co worker who crashed, once icbc has your car they pretty much can just take it. Once it was towed to the lot. I don't think he said he signed anything and it was all over the phone

[yray]

just don't sign it unless its totally fucked

once you sign it, good luck negotiating

[SSM_DC5]

Originally Posted by yray

just don't sign it unless its totally fucked

once you sign it, good luck negotiating

Myself and the bodyshop thinks it's totalled. Just waiting for icbc to confirm it.

Although it can be driven, it's in a state that it's a ticket able offence, so technically it's undrivable?

The car is still in my possession, so I feel I have zero leverage in all this and refusing to sign anything just hurts me if they drag on the evaluation process while I drive around a busted car risking a ticket. (already got pulled over with a verbal warning).
By signing it, they say I'll be able to obtain a courtesy car while they decide if my car is totalled.... But when it actually comes to the point that it's deemed totalled. I foresee that I'd need to forfeit the courtesy car immediately, my car is now icbc's; however it's sitting on my property waiting for icbc to tow it away whenever they thinks it's convenient. Essentially I'm storing their car for free for who knows how long.

[Badhobz]

Let them write it off. Then you buy back your own salvage and get a shop to give it a bullshit fix and a savage title.

[bcrdukes]

Do you have an estimate of how much it will cost to repair? I think earlier, you mentioend the cost to replace (given similar makes/models/values) are extremely rare.

[EvoFire]

Originally Posted by SSM_DC5

Myself and the bodyshop thinks it's totalled. Just waiting for icbc to confirm it.

Although it can be driven, it's in a state that it's a ticket able offence, so technically it's undrivable?

The car is still in my possession, so I feel I have zero leverage in all this and refusing to sign anything just hurts me if they drag on the evaluation process while I drive around a busted car risking a ticket. (already got pulled over with a verbal warning).
By signing it, they say I'll be able to obtain a courtesy car while they decide if my car is totalled.... But when it actually comes to the point that it's deemed totalled. I foresee that I'd need to forfeit the courtesy car immediately, my car is now icbc's; however it's sitting on my property waiting for icbc to tow it away whenever they thinks it's convenient. Essentially I'm storing their car for free for who knows how long.

You are right, the moment they deem it a total loss and you have signed it over, they will terminate your courtesy car. I would hold on to the forms and not sign until you've exhausted their patience.

What did the cop say about the car? I've seen cars driving around without headlights. But if your airbags blew I wouldn't drive it anyways.

[JDMDreams]

I've driven around with broken headlight, bumper taped on icbc said it's fine and just give claim #

[yray]

thats interesting, I thought they won't give you the "give up letter" unless they have the vehicle in their possession

thats what happened to me and my truck sat in coquitlam/ new west yard for 7months until I redacted my claim

[SSM_DC5]

It's official boys. ICBC deems it "not economical to repair".

let the suspense begin until I find more time to share details.

[bcrdukes]

RIP

[Badhobz]

I TOLD YOU TOYS!!! if that chick at the gym got her bimmer written off with such a pathetic ding, this thing is long dead.

[bcrdukes]

haha in fairness to SSM DC5, his accident was a bit more than a pathetic ding

Whereas our Mini was bashed up the curb and they still fixed it.

[RabidRat]

Originally Posted by SSM_DC5

It's official boys. ICBC deems it "not economical to repair".

let the suspense begin until I find more time to share details.

So are you allowed to buy it out?!

[JDMDreams]

I don't think you can just buy out as a regular person. I asked many years ago, I think you need a repair shop to buy it back for you and you still can get outbid.

[68style]

It seems they rarely let people buy back anymore, not sure what changed... my MR2 Turbo got totaled before and I bought it back no issue, but that was back in 2007. I've known quite a few people since then that said they'd been refused.