How A Collision Claim Differs From Other Types of Claims?
If someone were to steal an insured stereo system from an automobile, the car’s owner could submit a claim to the insurance company. By the same token, if someone’s door put a dent in a parked car, the owner of that dented auto could submit a claim to the insurance company. Yet neither of those claims would be like a collision claim.
How does a collision create a need for changes in the claims’ process?
A second driver has caused the collision. The steps towards resolving that collision may involve 2 insurance companies. If you are a resident of British Columbia, and you purchased collision coverage from the Insurance Commission of British Columbia (ICBC), then you can feel confident of being covered, in the event that you must submit a collision claim.
Steps to be taken by the BC resident that expects to benefit from the promise of collision coverage:
Driver should submit claim by entering the necessary information in the form that can be found online, or by sharing the necessary information over the phone. Following submission of the claim, the insurer orders an investigation of the reported incident. The insurance adjuster oversees that same investigation. The adjuster contacts the person or the Accident Lawyer in Langley that submitted the claim.
After the adjuster’s examination of the damage done to the claimant’s vehicle, the examiner (adjuster) makes a decision, with respect to the issue of liability. The adjuster’s estimate for the cost of repairs gets handed to the claimant. The claimant takes the estimate to an auto repair shop.
Because that estimate comes from the ICBC’s offices, most auto repair shops proceed with the repairs, unless the shop feels that it cannot fix the damaged vehicle at a cost that equals the one stated in the estimation. If that proves to be the case, then the repair shop must speak with authorities that work at ICBC’s offices.
ICBC always provides claimants with the name of its preferred auto repair facility. The mechanics that work at such a facility seldom have reason to question the figure given in the adjuster’s estimate. In other words, the claims’ process should move along smoothly, as long as the driver that has submitted the claim takes the damaged vehicle to a shop that was recommended by ICBC. After the damaged vehicle has been repaired, then the auto repair shop gets paid by the claimant’s insurance company (ICBC). That does not mean that the claimant has enjoyed the relief that comes with a free repair job. The claimant/policy holder must still pay the deductible. The policy holder should have no question, regarding the size of that deductible. The amount of money in that deductible has been stated in ICBC’s policy.