[EmOne]

Long story short I hit a power line pole and my car is totaled.
No other car/people were involved.
How will ICBC handle this since it was my fault?
I have basic coverage, collision and comprehensive.
Are they going to write it off or am I not going to get anything?
Already filed a claim and waiting for a reply, just want to know what to expect.

[ilvtofu]

Depends whether they think your car is worth fixing, are you just calling it totalled or is the car the size of a mini now?

[TOPEC]

u wouldnt by any chance be this guy that wrapped the car arnd the pole?
http://www.revscene.net/forums/accidents-new-west-t580449.html
and depending on how bad the damage is and what the current market value the car is worth, it might or might not be totaled.

[dai3yuen]

This will be considered a Single Vehicle Accident and will be processed under your collision coverage, which in turn will effect your discount.

To see what effect it will have, go here: http://www.icbc.com/autoplan-insurance/understand-costs/crs.pdf#Variables._frag_

In regards to your vehicle, what will happen is it will get towed into an ICBC facility and then estimated. Depending on the extent of the damage, your vehicle may be fixed or it may be written off.

Either way, you will be subject to your collision deductible. If your vehicle is written off, it will be deducted from your settlement amount. If your vehicle is fixable, you will have to pay it to the bodyshop.

[Lude S]

Do yourself some good and just get a bus pass.

[hi-revs]

expect your insurance rate to go up!

[bcrdukes]

Do yourself some good and just get a bus pass.

That's a little harsh, don't you think?

[orange7]

That's a little harsh, don't you think?

+1

I think that's very harsh. Who is he to judge on the OP just based on this accident.

[geeknerd]

does having DPP also effect discounts? any1 know?

[TRDood]

hope you have the new car replacement insurance.

[shantz]

you're still covered under you're insurance policy
if its a Single Vehilcle Accident (SVA) - you're rates will go up based on the ICBC claim scale. http://www.icbc.com/autoplan-insurance/understand-costs/crs.pdf#Variables._frag_

[ilvtofu]

PICS OR IT DIDN'T HAPPEN!!! lmfao...

[taylor192]

you're still covered under you're insurance policy
if its a Single Vehilcle Accident (SVA) - you're rates will go up based on the ICBC claim scale. http://www.icbc.com/autoplan-insurance/understand-costs/crs.pdf#Variables._frag_

OK I'm being picky, yet this is post #2 today where you use you're instead of your.

[taylor192]

Do yourself some good and just get a bus pass.

Not on the left coast. Public insurance will mean his rates will only go up so much. Private insurance would raise his rates through the roof.

[EmOne]

PICS OR IT DIDN'T HAPPEN!!! lmfao......
http://i30.photobucket.com/albums/c304/hurrior/IMG_3677.jpg

http://i30.photobucket.com/albums/c304/hurrior/IMG_3684.jpg

http://i30.photobucket.com/albums/c304/hurrior/IMG_3695.jpg

[VR6GTI]

ya its totalled
ps your tread is going the wrong way

[EmOne]

ya its totalled
ps your tread is going the wrong way

those tires are not directional

[VR6GTI]

those tires are not directional
;)

[taylor192]

ya its totalled
Its only totalled cause it'll cost more to fix than the car is worth.

I had similar damage on my car, as long as the frame isn't bent it can be fixed.

[!Aznboi128]

^ thats what I saw too ....

[BNR32_Coupe]

Total my car, anybody have experice dealing with ICBC in this situation?

yeah, when dealing with ICBC, bend over. spread your legs apart, makes it easier on both of you

[ilvtofu]

Are those BBS LMs? shit those gotta be expensive :(
At least the glass isn't broken, looks like rearward of engine is fine, but everything thats $$ is in front ...

[!Tigger]

hope you're okay. that looks like they'll weld on a new rad support... if the frame isnt bent

[EmOne]

hope you're okay. that looks like they'll weld on a new rad support... if the frame isnt bent

I highly doubt they are going to fix it. The car is worth $7-8k tops

[hamsup]

well icbc may use used parts to fix your car... it actually doesn't look as bad as i thought it would be b/c your airbags are not deployed ...

[WHEYsted]

hope you have the new car replacement insurance.

This does not apply when its your fault.

[you]

damm thats brutal

juts noticed its an import too
gl getting raped, my advise is to go buy some long lasting lube cuz ur gonna get a hurt real bad from icbc

[Shun Izaki]

that sucks... nice wheels too :(

[Expresso]

This does not apply when its your fault.

Add on top its only for brand new cars not older than 3 years? Can't recall.

I would bet on a write off, especially since its RHD.

[CivicTypeRice]

^^ 5 years.

[dai3yuen]

^^ 5 years.

It's three years and it doesn't matter if you're at fault or not.

[WHEYsted]

It's three years and it doesn't matter if you're at fault or not.

Thats bs. Then everyone would go crash it on purpose when they get tired of it and get a later model.

[TRDood]

It's three years and it doesn't matter if you're at fault or not.

that is correct.
new car insurance is another $1000-$1500. One time only fee though.

why the hell would anyone purposely crash their car and total it just because they want a new car? risk of injury? cost of insurance going up? transaction cost? hassles?

well, it does not apply to the OP's case. but for many other people with new cars, i think this is an awesome policy. i don't think it's provided by ICBC thought. it's provided by private insurance companies like HUB.

[SpuGen]

Is your DRL smashed?
The light housing on the JDM drivers side middle.. like where the impact is.
If it's not, can I have it?
And your lip too! :)

[Edison_Chen]

Icbc replacement cost is good for the first 3 years when the car is new and
if you have at least 20% discount. If you have less than 20% discount then you are eligible for limited depreciation model.

Some private companies offer 4 or 5 years for replacement or LDL

[AzNightmare]

Wow... that's a write off...

[tiger_handheld]

So much for representing the NBA eh ?

[illicitstylz]

when they call you and give you the rundown of the value of the car and how much they'll be paying you to write off the vehicle, note down the value, but don't accept it... YET.

make sure you have done some market research ( local car ads from craigslist, buysell etc ) for the price of other cars similar to yours. show icbc the ads (fax) and they'll take the write off value into consideration again.

mine went from 5600 to 7000 after i quickly pulled 3 ads off buysell.

[325ist]

+1

I think that's very harsh. Who is he to judge on the OP just based on this accident.

everybody on this forum judges, you can always count on some negative feed back from douche bags and hope for some good stuff.

[325ist]

The Frame looks to be bent from the frontal veiw you can see it poking through low on the right side but it has been tweaked up on the left side:(

[Qmx323]

LOL I love your license plate.

[thumper]

Is your DRL smashed?
The light housing on the JDM drivers side middle.. like where the impact is.
If it's not, can I have it?
And your lip too! :)


vultures :rolleyes: :lol