If your auto glass has recently become damaged, you will find there are multiple ways you can go about addressing the problem. You can make a claim through ICBC in a lot of cases, and how you go about doing this will affect the process. Here’s what you need to know about how auto glass repair and replacement affects Insurance Premiums.
If there is no other damage to the vehicle (other than the glass) it can be taken directly to a certified shop
First, you’ll need to have Comprehensive insurance coverage. No need to even call your insurance company. If you have a crack on your windshield or other damaged glass, and no other vehicle was involved, you can take your car to an ICBC Glass Express shop for auto glass replacement.
You should also keep in mind that, if repair is an option, it is cheaper to have a windshield repaired instead of replaced. Windshield repair is covered under many private comprehensive policies but is not covered under ICBC Comprehensive coverage. However, the deductible you will have to pay to have your windshield replaced will cost more than the auto glass repair.
At First Response Glass we want to provide a hassle-free experience right down to returning your vehicle interior in clean condition. Part of the hassle-free experience is handling your ICBC claim.
If another vehicle is involved or if your vehicle hits something, your Insurance Premiums may be affected depending on the determined liability
After getting into a collision, the best thing you can do to keep the process straightforward is try to determine what happened objectively. Next, you would call Dial-a-Claim or your insurance company. Do not seek out auto glass repairs in Victoria until this process has begun. Dial-a-Claim or your insurance company will assign you an adjuster, who will work to determine what happened and who is at fault. If you are at fault by over 25%, your insurance premium may rise.
The next step is to get an estimate of the damage from either a claim centre or an ICBC-certified auto repair shop. Part of determining who is at fault can include getting an estimate of the damage, as the adjuster knows how to use this information. In short, ICBC wants to know how your vehicle was damaged so the claim concludes fairly.