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This is not a comprehensive claim. This is a collision claim.
Therefore, she would be subject to her collision coverage deductible, assuming she has such coverage. She would indeed move up the claim rated scale.
She should initiate the claim with ICBC. She would still have the option of deciding whether or not to proceed with repairs after an estimator looks at the damage. If she does proceed, she still has the further option of "buying back" her claim from ICBC or paying it outright herself.
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