REVscene Automotive Forum - View Single Post - school me on new vehicle replacement plus (NVR +) from ICBC

1BADMR2 · 11-13-2019, 06:19 AM

I went through this recently with my 2017 F150 Lariat Sport Edition (32,xxxkms) and I have Replacement Plus with BCAA. It was the 50% of the vehicles value. Make sure to read the fine print and ask questions because with this coverage, if the vehicle get written off after a certain amount of years (3 or 4) it becomes 80% vehicles value. I was rear ended on Sept. 1 and got my replacement vehicle (2019 F150) Oct. 10. I took it to a bodyshop that BCAA recommended and found out the frame was crushed and the passenger side of the truck was shifted forward. It took awhile with many emails/phone calls and a lot of paperwork. They even paid for the most of the aftermarket items that were installed as long as I had the receipts but nothing related to performance modifications.

IMO, even with all the back and forth BS, the coverage is worth it because at first the adjuster was going to cut me a cheque for a way lesser amount and I had to mention to him a couple of times that I had Replacement Plus and had to prove that I was the sole owner (bill of sale, lien check, etc.) of my F150. Then I went to the dealership and pick out another F150 on the lot. Cheque was mailed to me and I paid out the new ride.

So basically I got the same optioned F150 as my old one but new and different color. BCAA Replacement Plus is way cheaper than other insurance companies but more BS involved. In the end of the ordeal, I'm happy and made whole. Pictures below for references and my sexy MR2.

11-13-2019, 06:19 AM	#6
1BADMR2 Boost Lee Join Date: Oct 2009 Location: With the living Posts: 304 Thanked 748 Times in 109 Posts Failed 14 Times in 6 Posts	I went through this recently with my 2017 F150 Lariat Sport Edition (32,xxxkms) and I have Replacement Plus with BCAA. It was the 50% of the vehicles value. Make sure to read the fine print and ask questions because with this coverage, if the vehicle get written off after a certain amount of years (3 or 4) it becomes 80% vehicles value. I was rear ended on Sept. 1 and got my replacement vehicle (2019 F150) Oct. 10. I took it to a bodyshop that BCAA recommended and found out the frame was crushed and the passenger side of the truck was shifted forward. It took awhile with many emails/phone calls and a lot of paperwork. They even paid for the most of the aftermarket items that were installed as long as I had the receipts but nothing related to performance modifications. IMO, even with all the back and forth BS, the coverage is worth it because at first the adjuster was going to cut me a cheque for a way lesser amount and I had to mention to him a couple of times that I had Replacement Plus and had to prove that I was the sole owner (bill of sale, lien check, etc.) of my F150. Then I went to the dealership and pick out another F150 on the lot. Cheque was mailed to me and I paid out the new ride. So basically I got the same optioned F150 as my old one but new and different color. BCAA Replacement Plus is way cheaper than other insurance companies but more BS involved. In the end of the ordeal, I'm happy and made whole. Pictures below for references and my sexy MR2.