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03-27-2013, 02:40 PM
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#1 | | I contribute to threads in the offtopic forum
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| Parked car damage, Collision vs Comprehensive coverage?
My car was parked on the street and had the side mirror broken off and door scratched. I wasn't there and found no witnesses or other info.
ICBC has listed the claim as a hit and run. I have third party auto insurance through Canadian Direct Insurance (CDI).
With CDI a hit and run is considered a collision, and has a $500 deductible. Comprehensive (vandalism, other stuff) has a $200 deductible.
Is ICBC correctly listing the claim as a hit and run? Is there any possible way I can get this done under comprehensive coverage instead of collision?
My autobody shop quoted $300 to replace mirror and spot paint the door if I pay out of pocket, or he will fully repaint the entire door if I get insurance to pay for it.
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03-27-2013, 02:47 PM
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#2 | | RS Veteran
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if there is evidence that the car was damaged by another vehicle, then yes it would be considered a hit and run. If it was keyed/had the mirror bashed by a person, then it would be vandalism. Either way, you still have to pay the deduct, no?
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03-27-2013, 06:36 PM
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#3 | | What hasn't Killed me, has made me more tolerant of RS!
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man that sucks. if its going to cost that much.. should try to grab a mirror from ralphs and install a new mirror yourself
hope it works out for you
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03-27-2013, 06:39 PM
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#4 | | Willing to sell body for a few minutes on RS
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It sure sounds like a car hit yours and kept going which would make it a hit and run.
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03-27-2013, 07:44 PM
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#5 | | I'm invisible
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Under ICBC wording booklet, hit and run comes from the collision deductible. If there was a witness of some sort then you might have a case... Having insurance under CDI will this collision claim affect your future premiums if let's say there was another claim in the future ??
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03-27-2013, 07:56 PM
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#6 | | I contribute to threads in the offtopic forum
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Thanks for the replies. Claim doesn't affect future premiums with CDI as I'm not at fault.
I guess I just have to decide if I want to pay $300 out of pocket for a patch paint fix or $500 deductible for a fully repainted door.
This is one of my first incidents. I didn't know you get so screwed over even when you did nothing wrong.
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03-27-2013, 08:12 PM
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#7 | | Even when im right, revscene.net is still right!
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| Quote:
Originally Posted by Edison_Chen  Under ICBC wording booklet, hit and run comes from the collision deductible. If there was a witness of some sort then you might have a case... Having insurance under CDI will this collision claim affect your future premiums if let's say there was another claim in the future ??
Posted via RS Mobile | I always thought any hit and run would be covered under Basic (bodily injury or collision). Can you post the source of the booklet? Thanks! Posted via RS Mobile | |
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03-27-2013, 09:22 PM
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#8 | | I'm invisible
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I'll have to find a copy and scan it... Under basic insurance hit and run on a vehicle is covered but with a minimum deductible of $750. If you have collision coverage deductible you will pay the lesser of the 2. Posted via RS Mobile
**googled and found this hit and run brochure** http://www.icbc.com/csDelPrd/Satelli...%2Fhit-run.pdf
Last edited by Edison_Chen; 03-27-2013 at 09:32 PM.
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03-28-2013, 12:17 AM
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#9 | | Even when im right, revscene.net is still right!
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y is every1 quoting ICBC?
ur third party insurance is thought CDI rite? so your third party lib, coll and comp is through CDI rite?
at this point u should of only bought basic ($200,000) lib from icbc. Icbc doesn't care about ur car since u didnt buy coll or comp, if u wanted to claim through ICBC it would be $750 deduct
read up what CDI considers as hit and run.
my advice is to pay it off ur self. $100 difference isnt worth having a claim on ur car in case u wanna sell it in the future.
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Last edited by umpadupa; 03-28-2013 at 12:39 AM.
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03-28-2013, 09:58 AM
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#10 | | Banned By Establishment
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I had CDI for awhile. They were super easy to deal with, and nice and all.
Then, I had a letter come wanting a mechanics report on my car. My car was older, so I understood why they would do it, but I didn't feel the need to deal with an extra hassle of having aircare, AND some form of mechanics inspection.
So I went back to ICBC and have been there ever since.
I do like the idea that they will just come to you if they need to see your car, be it at home or work, as opposed to having to go to a claim center.
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