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icbc claim help
WingHang
11-15-2010, 10:40 AM
Hey i dont know if this would be in the police section...but here goes
Someone filed a claim against me saying that in the summer time i bumped into his bumper. He has my DL n name. But has no plate number
i told icbc i never did it. N i told them in summer time i drove my gfs car around. they want me to bring in my girlfriends car to check up. Thing is is that its not insured anymore. N my gf doesnt want to bring it in cause she basically doesnt care. N icbc said if i dont bring her car in its all automatically my fault
I just want toknow my rights, what im entitled to do and not do. Is it automatically my fault then even when they have no proof??what should i say to icbc?? They want her address too.
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Berzerker
11-15-2010, 10:45 AM
How did this person get your name and DL number? I hope your not lying to RS about the facts here. Seems fishy that some random person has your DL and name for no reason.
Rule number 1 when dealing ICBC... Keep your fucking mouth shut. You fucked up when you told them you only drove your GF's car.
How can a claim be filed against you if you don't have a car in your name. Claims go against vehicles NOT people... that is why they want to see your GF's car so they actually have a vehicle to claim against.
Berz out.
WingHang
11-15-2010, 10:47 AM
I gave then her info...but in terms of bringing in her car. What am i supposed to do
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WingHang
11-15-2010, 10:48 AM
I had to tell them i drove her car because her car was insured. With me as primary/principle driver
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Berzerker
11-15-2010, 10:48 AM
If the car isn't insured and they really are concerned they can send someone out to look at it.
Berz out.
WingHang
11-15-2010, 10:51 AM
They started with sending me letters. N i told them on the phone i never did it. So the lady said ok then its going to get thrown out. N then they sent me a letter saying that im found 100% fault. N they told me to go in n give them a statement. When i got there she was like oh bring ur car in. N i said uh no i have no car. N i gave them my statement
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WingHang
11-15-2010, 11:02 AM
Ok i dont mean to spam my own thread.
But my question is in theory. Say i ignore them from now on. What will happen? Can they really sue me or make me guilty or fine me?
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Presto
11-15-2010, 11:06 AM
Ignoring letters isn't a good idea. Maybe you should bring the letter to your mommy, since you don't seem to understand the gravity of the issue at hand.
Berzerker
11-15-2010, 11:06 AM
Well without you admitting fault and a vehicle to claim against I'm not really sure what they can do...
That is unless you said something incriminating in your statement to them. IF in your statement you said "I didn't do it and I have no idea how this guy got my license and name" Then you should be ok...
Berz out.
WingHang
11-15-2010, 11:12 AM
I never ignored any letters. I talked to them on the phone. Gravity of the issue?? Dont even try to give me that crap
they said if i dont bring in my gfs car they will find me at fault. If they do find me at fault do they sue me? Make me pay up the $ in order to do anything wiyh icbc(renewing...insuring...)?
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WingHang
11-15-2010, 11:13 AM
Like wtf how can they find me at fault with no proof
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Berzerker
11-15-2010, 11:17 AM
The proof can only come from Statements and damage from cars. You still haven't answered how this guy got your license and name... Your not telling the whole story here.
Berz out.
WingHang
11-15-2010, 11:20 AM
I really dont know. Icbc wont tell me any info about him. Protect his identity under the british columbian law
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tool001
11-15-2010, 11:39 AM
i've realized, dealing with icbc, they usually get what they want. sucks but true, N how did they get ur DL number.. you must have given it out???
Orion
11-15-2010, 12:42 PM
just go get a day of insurance, bring your gf's car in, show them there's nothing wrong and they'll drop the case
Preemo
11-15-2010, 12:44 PM
Dood. Go talk to a lawyer who deals with ICBC's slippery schemes.
mr_chin
11-15-2010, 12:51 PM
but in terms of bringing in her car. What am i supposed to do
Here's the deal... bring your GF's car in or it's 100% your fault. If you have nothing to hide, bring it in. If you are not going to bring your GF's car in, then it increases their suspicion that your GF's car is in fact involved in an accident with this dude.
If it's not insured, tell them that they can send someone to look at it. If after inspection, they don't find proof that the car is involved, you're free.
Is it automatically my fault then even when they have no proof??what should i say to icbc??
Yes because you have no proof either.
What will happen? Can they really sue me or make me guilty or fine me?
You won't get sued, your premium goes up.
If they do find me at fault do they sue me? Make me pay up the $ in order to do anything wiyh icbc(renewing...insuring...)?
Your premium goes up and will take 3 - 5 years to go back to normal depending on where you are at on the rate scale. If you decide to repay ICBC for the amount they use to repair the dude's bumper, your premium will not take the hit. If you choose to repay, you must do it before renewing or buying insurance. Once you renew or begin insuring a car, you cannot repay this claim anymore.
Like wtf how can they find me at fault with no proof
Although they have no proof, they have someone pointing you out, and that is more than what you have to proof your innocence. One thing you can do, if in all honesty you did not hit someone is bring this issue to court.
I really dont know. Icbc wont tell me any info about him. Protect his identity under the british columbian law
Yes, it's against the law to give out information of the other party to prevent them from being hurt. Yes, your case is small and you probably wouldn't do something like that, but when accidents that can cause someone to go bankrupt or forever be in a financial crisis, people will do such a thing.
This is why you never give out your address and phone number when exchanging information and make sure he doesn't write it down.
quasi
11-15-2010, 01:09 PM
Tell them you have nothing to hide , the car isn't insured but they can come check it out no problem. If they say no dice you have to bring it in then throw a permit on it and take it in. Paying for a permit is a small price to pay for avoiding your insurance going up.
Jsunu
11-15-2010, 01:23 PM
Weird that your GF isn't willing to help you out in this situation. Almost seems like we are missing quite a bit of the story here.
Like Quasi said, get a day insurance and bring that car in to clear your name. Way cheaper vs paying premium.
bengy
11-15-2010, 02:28 PM
Let me guess what really happened:
You bumped some dude's car. You gave dude your license info. You "agreed" to settle privately. You somehow screwed dude over, didn't pay for repairs. You uninsured car thinking you can get off that way.
Dude made claim with ICBC. ICBC waited a month for you to report and give your statement. Since you didn't, they did it for you?
Gridlock
11-15-2010, 03:05 PM
Ha...if I were to place a bet, I'd put the safe money on Bengy.
Original story has the odour of fraud.
WingHang,
I would suggest that you either post the whole story or just walk away. There are so many holes in your story and things that don't make sense. Either get your story straight by telling the truth or expect to get no help or sympathy from RS.
Beardo85
11-15-2010, 03:10 PM
Like wtf how can they find me at fault with no proof
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Accused of murdering a person by an eye witness. Tell police over the phone you didn't do it. Refuse to go in for DNA testing, finger printing etc to prove your innocence. Astonished when you're found guilty of murder.
:rofl::rofl::rofl::rofl::rofl::rofl::rofl:
Euro7r
11-15-2010, 03:14 PM
Piss me off reading this stupid thread. "N this, n that". Type out the story properly if you want us to give you feedback.
WingHang
11-15-2010, 04:27 PM
No bengys version is wrong. Im going to give icbc all the info. If i owe money then so be it ill pay it up
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WingHang
11-15-2010, 04:28 PM
I type all this on my phone so i try to make it short. But its accurate
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Piss me off reading this stupid thread. "N this, n that". Type out the story properly if you want us to give you feedback.
He has an "N" fetish
Just as annoying as "dun"
WingHang
11-15-2010, 05:28 PM
dun goofed?
Hondaracer
11-15-2010, 05:50 PM
ICBC asks you to bring in the car and your doing everything in your power including "ignoring" letters from them to not bring the car in?
sounds like BS to me, and i HIGHLY doubt somone just submitted your name to ICBC and magically guessed your DL number, you obviously gave this person your info at some point
No, I mean............
I dun want the game to end. Or I dun know what else to say.
wouwou
11-15-2010, 06:08 PM
dude, what you are saying doesn't even make sense.
Someone magically got your DL number and name, then your GF wouldn't let you drive your "daily commute" car to ICBC to prove your innocent?
Either the story is complete BS, or you should have a serious talk with your GF about hit-and-run.
WingHang
11-15-2010, 06:10 PM
....its not a fucking hit n run. n the car isnt mine i only drove it for a little bit. n i am going to just bring in the car somehow some way ill find out how much 1 day permit is. cant be more than 100$
RFlush
11-15-2010, 06:17 PM
If you end up not being at fault (which I doubt), please use the money that ICBC wanted from you to go pay for an ESL course, then at least something good can come out of this whole ordeal.
Gt-R R34
11-15-2010, 06:21 PM
2009 and coming otu the wood works now? ugh.
WingHang
11-15-2010, 06:23 PM
^^
???? i have no idea what that means.
wouwou
11-15-2010, 06:25 PM
^
you are not getting it.
It's doesn't make sense that someone can just get your DL, name and file a suit with ICBC. In order for ICBC to actually take it seriously (ie, send out letters), they need to find it probable, which usually means the other party can describe the car that's under your name.
It's only after they can probably identify the car in question that ICBC will consider it an actual claim, not some 15 yrs old punk calling.
That means whoever called in either 1, knows you way too well, or 2, actually had his/her car hit-and-run.
2nd, your are right, a day permit is dirt cheap, which is why it is strange your GF is unwilling to let you bring the car in for inspection because the cost can't be more than $50 and it takes practically less than 2 hours to do the inspection and everything.
Not bringing the car in for an easy inspection while the consequence is thousands of $ in insurance premium? NO ONE IS THAT DUMB.
WingHang
11-15-2010, 06:29 PM
no she would let me bring it in. but shes not going to pay for it herself. n i would have to ask for a signature.... have to explain to her. (just dont wanna go through that trouble)
no its not a hit and run no im not accused of murder or 5k worth of damage. im plannign to go do it cause its straight forward im forced to prove my innocence
the other guy was right..icbc will get what they want. they have alot more power than i thought
Gridlock
11-15-2010, 06:47 PM
Permits are $35 with comprehensive.
monkeywrench
11-15-2010, 07:01 PM
no she would let me bring it in. but shes not going to pay for it herself. n i would have to ask for a signature.... have to explain to her. (just dont wanna go through that trouble)
no its not a hit and run no im not accused of murder or 5k worth of damage. im plannign to go do it cause its straight forward im forced to prove my innocence
the other guy was right..icbc will get what they want. they have alot more power than i thought
Oh so now you plan on doing it? After all that non sense and circling around with your half assed story, you finally think you should just bring the car in?
Either you are a person with no common sense, or you are just trolling. A normal person who has common sense would know proving their own innocence in this case will get you off the hot spot, yet you give a half assed story to us, making everyone assume you were at fault in some accident at some time. Hiding will only make you look suspicious, it's that easy.
Like others have said, $35 to insure the car for a day and show them the car, or pay higher premiums when you buy insurance for a car. That easy. I don't understand why this has to be made so difficult.
EDIT: learn some english.
wouwou
11-15-2010, 07:02 PM
no she would let me bring it in. but shes not going to pay for it herself. n i would have to ask for a signature.... have to explain to her. (just dont wanna go through that trouble)
no its not a hit and run no im not accused of murder or 5k worth of damage. im plannign to go do it cause its straight forward im forced to prove my innocence
the other guy was right..icbc will get what they want. they have alot more power than i thought
if asking for a car to prove innocent is trouble to your GF, you should seriously reconsider your relationship.
after all, the car was insured under YOUR NAME, meaning she either took advantage of your lower insurance rate, or you are paying for it.
Selanne_200
11-15-2010, 07:08 PM
Well I think this goes beyond the matter of you feeling like you have to prove your innocence for no good reason. there has got to be a more than a balance of probability that the other party has to proof before icbc would proceed like this.
From what I can recall, when the other party claims a hit and run, first thing they do it they would require that person to bring his car in for an inspection and taking a statement from him. Then they prob searched up a record of vehicles u owned and see if it fits profile of the damaged area (ie colour).
Long story short, buy a comprehensive one day insurance for 34 or if u really wanna save, basic insurance for 27 and bring the car in. If the facts don't add up for the other dude, ur off the hook
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Selanne_200
11-15-2010, 07:09 PM
BTW, as much as I hate ICBC, I don't think they'll go as far as "framing" other drivers to recoup their repair costs
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Super Dipper
11-15-2010, 09:17 PM
something doesnt add up
SpuGen
11-15-2010, 09:29 PM
All I got from the broken English was:
- ICBC has his DL# and Name.
- Girlfriend's car. Insured under his name.
- Apparently his actual car wasn't involved
- He was Driving his Girlfriend's car. Which is insured under his name.
- So he got in the accident with his "Girlfriend's car" but with his insurance.
- Gave the guy his info.
- Girlfriend is actually his Mom who doesn't want to pay for his shit, and wants him to learn a lesson by letting his insurance take a hit.
OR. Car is insured by Mommy. He got into an accident with it, Mom won't let him drive her car anymore. Thus, being unable to bring it in.
That or mommy sold it, and he can't bring it in.
Case Solved.
Spidey
11-15-2010, 09:46 PM
firstly, can you please learn to type AND and not N?
secondly, it is their word against yours and if you do not admit to it and say you have no idea why they have your name and dl, then they are screwed.. especially with no witnesses.. they will have to claim hit and run. but, if youhave nothing to hide, why not just bring it in? or tell them it isnt insured so it cannot be brought in. i dunno this sounds like a messed up story with holes in it
Orion
11-16-2010, 11:04 AM
so how did this guy get your name and DL anyways?
tool001
11-16-2010, 11:53 AM
Winghang,, u can get correct advise only if u tell the whole story, otherwise dont bother wasting time on RS... (thats an oxymoron.... isn't it?)
Psykopathik
11-16-2010, 12:02 PM
before you go any further. how about you tell us the WHOLE story?
EmOne
11-16-2010, 04:30 PM
N
N
N
N
N
N
saychun
11-16-2010, 04:35 PM
your story sounds so...unrealistic.
Hondaracer
11-16-2010, 05:19 PM
http://i4.photobucket.com/albums/y136/sniperslayer/icbc.jpg
wouwou
11-16-2010, 05:40 PM
before you go any further. how about you tell us the WHOLE story?
copy the story on to Word
replace "GF" with "mom"
???
profit!
i like how, even though it's been 3 pages, with almost every reply wondering how the other party got his DL # in the first place, he still hasn't answered
option 1) bring gf's car in
option 2) pay more every year for insurance
Spidey
11-16-2010, 06:14 PM
this guy wins or should be nominated for stupidest rs'er
lgman
11-16-2010, 09:20 PM
ran out of fails.
He has my DL n name. But has no plate number
He must have gotten it from you. ICBC will never give out private information.
They want her address too.
Give it to them, they sound pretty legit bro.:D
I never ignored any letters. I talked to them on the phone. Gravity of the issue?? Dont even try to give me that crap
Letter from icbc told you to come in to check on the damage see if the other guy is lying. You didn't bring it in. YOUR FAULT. Your GF didn't let you buy 1 measly $26 temp permit to clear your name. Good for your GF.
Like wtf how can they find me at fault with no proofI had to tell them i drove her car because her car was insured. With me as primary/principle driver
Soo funny I had to repost this quote.
I really dont know. Icbc wont tell me any info about him. Protect his identity under the british columbian law
this guys a big timer mang. Better not mess with him.
Here's the deal... bring your GF's car in or it's 100% your fault. If you have nothing to hide, bring it in. If you are not going to bring your GF's car in, then it increases their suspicion that your GF's car is in fact involved in an accident with this dude.
If it's not insured, tell them that they can send someone to look at it. If after inspection, they don't find proof that the car is involved, you're free.
Yes because you have no proof either.
You won't get sued, your premium goes up.
Your premium goes up and will take 3 years to go back to the day before the accident. If you decide to repay ICBC for the amount they use to repair the dude's bumper, your premium will not take the hit. If you choose to repay, you must do it before renewing or buying insurance. Once you renew or begin insuring a car, you cannot repay this claim anymore.
Fixed
DING DING DING!:thumbsup:
suzuka84
11-16-2010, 10:30 PM
buddy, just give ICBC a call. Your case is pretty straight forward. You can tell us your story until you turn blue but ICBC will most likely ask both parties to bring their vehicles into their inspection center so they can run a few tests to determine fault.
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