Required Materials When Filing An ICBC Claim, Following An Accident
While ICBC provides coverage to drivers in British Columbia, it asks for assistance from the covered driver. That assistance must come in the form of information. In other words, each driver involved in an accident must provide ICBC with certain pieces of information.
What information must be offered by someone filing a claim, after being involved in a collision?
• The date and time of the accident;
• The location of the accident;
• The license number for each of the vehicles involved;
• The drivers’ license number for each of the involved drivers;
• The insurance information for anyone not enjoying ICBC’s coverage.
• A policy holder’s preferred auto body shop.
• A copy of the police report.
What procedure must be followed after a claim has been filed?
The person that has filed the claim meets with the one of ICBC’s adjusters, or the same person gets a damage estimate at ICBC’s auto repair shop.
Insurance Company of British Columbia checks to see if policy holder has purchased a document with a loss of use provision. If it does contain such a provision, the policy holder/victim can be furnished with a rental car, but the renter of the furnished vehicle must respect certain limits. A policy holder that does not want a rental car can have money to use for public transportation.
If victim has paid for medical expenses, then that same person has the right to submit a request for reimbursement. Usually, the victim works with the adjuster, in order to reach a settlement amount. Victims with a pre-existing condition could face a special challenge at this stage of the process.
Adjuster learns whether the cost of repairs exceeds the vehicle’s value. Keep in mind that the estimation of repair costs takes into consideration the established cost of a replacement vehicle. Following estimation of the cost of repairs, the procedure followed varies, depending on the nature of the provisions in the car owner’s insurance policy.
ICBC Lawyers in Kelowna know that if the owner has failed to spend any money on collision coverage, a severely damaged vehicle could be declared a total loss. If the owner were found liable for the recent accident, then ICBC could ask for payment of the full deductible amount.
Does the owner ever get paid?
Yes, following ICBC’s investigation of 2 possibilities. If there are any liens on the damaged vehicle, those get paid off first, before the owner receives any money. If the investigation uncovers the fact that the driver was at the wheel of a leased vehicle, then the leasing company gets paid, instead of the driver. Only after that second possibility has been eliminated does any payment get directed to someone who has been identified as both the owner and the driver.