About 10 days ago my car was scraped in the Costco parking lot. I didn’t see it happen and I have no idea who did it. No note was left taking responsibility. I finally got around to calling ICBC today and let’s just say I was less than impressed. After I gave all the details here is the conversation that ensued:

ICBC Guy: There is a $300 deductible.
Me: Why?
ICBC Guy: All hit and run accidents are paid out of the hit and run fund.
Me: Ya, so?
ICBC Guy: Well because we insure everyone we assume it was one of our drivers who did it. So because everyone has access to it we have a deductible so that people will help us find out who did it and park in well-lit areas.
Me: If I knew anything I would tell you.
ICBC Guy: Let’s say you parked on a street and someone hit your car you would be covered.
Me: But it’s illegal to park on a street without insurance.
ICBC Guy: Well there is that but you understand what I am saying.
Me: I am sure you can look at the damage and know how it was caused.
ICBC Guy: Yes but we still have a deductible.
Me: So let me see if I have this straight – someone damages my car, through no fault of mine, and I not only have the inconvenience of having to deal with this but I also have to pay $300? I have a perfect driving record and I have never cost ICBC a penny.
ICBC Guy: Yes, Ms Shihtzustaff you do have many years of excellent driving.
Me: Exactly. So why do I have to pay?

It digressed from there. It annoys the hell out of me when people use analogies that have no basis  in reality. Analogies are the weakest form of reasoning. Clearly ICBC claims phone people do not get training in basic reasoning. He had no clue how to handle me. I also hate non-rational decisions. ICBC, like any monopoly, behaves unethically in my opinion. I can’t stand the constant increase in rates and the difficulty you face when you have a claim. It is going to take 10 days to get into a claim centre. I think if we dismantled or made ICBC compete with other insurers we would have much lower rates particularly those of us with clean driving records. I am tired of getting gouged by ICBC. Perhaps to punish them I may move my optional insurance elsewhere. Does anyone else do this?


8 thoughts on “ICBC Hit and Run Coverage

  1. the two times I’ve had to deal with ICBC in the last 13 years, both times I nearly had a heart attack! they seem to be making up the rules as they go.

    We’ve checked on optional insurance and it doesn’t seem to make much difference. You still have to go through ICBC with the basic insurance.

  2. oh i feel your pain! i got hit AND i have a witness and i still need to pay the $300. I emailed my adjuster saying, why does the offender have an option to submit it to the insurance? why am i on the hook for this damage ($2000 worth!) WITH a witness?!

    Needless to say, ICBC is an insane organization. I didn’t realize we could all go around hit-and-running and then politely decline to accept responsibility.

    I should have filed a police report- VPD recommends it. I also still haven’t called the guy myself (I have the offender’s #). I’m inclined to do this.

    Ugh! I hate ICBC!

  3. This is exactly why I didn’t bother to fix the hit-and-run scrape that happened to my brand new car right after I brought it home. Not worth the headache!

    But I don’t think scrapping public insurance and replacing it with for-profit private insurance would fix it. Talk to people in Ontario – they have just as many complaints about the craziness of their insurance companies and they pay more for it than we do.

    1. In Alberta we insured 2 cars for the price of one here. Private insurance means that the the riskier drivers are the ones who pay the higher rates. Basically we all pay our insurance dues when we are young and then rates drop.

    2. we lived in Ontario and paid far less for car insurance, so did my parents who also lived in Ontario. They drove their car to BC and found out that paying BC insurance on the same car they used to insure in ON cost them a lot more.

      1. That’s odd. When I moved from Ontario, the insurance there was cheaper than here. But that was 10 years ago, so maybe things have changed.

  4. Please note this is not an issue relating solely to ICBC.



    Whether you caused the accident or not, any claim you make is going to come with a deductible. Somebody breaks into your house and steals your shit – again no fault of your own – guess what? That’s right – you pay a deductible to have the insurance company replace it.

    This is standard insurance practice. Look into it.

    1. Exactly. I know it sucks, but it is written in the rules: http://www.icbc.com/csDelPrd/Satellite?blobcol=urldata&blobheader=application%2Fpdf&blobheadername1=Content-Disposition&blobheadervalue1=filename%3D%22hit-run.pdf%22&blobkey=id&blobtable=MungoBlobs&blobwhere=1381376740978&ssbinary=true

      Otherwise, someone who damaged their own car could lie, claiming it was a hit and run. The deductible is there to deter fraud.

      In a perfect world, there wouldn’t be a deductible. It is the bad people who abuse the system which creates the need for this deterrence.

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