Loss in car trade in value due to zero fault accident in BC with ICBC

[pandaharo]

A drunk dude crashed two of my girlfriend's family cars parked outside, one on top of another, two cars combined is going to be over 25+k in repairs. ICBC has stated they will repair the cars, but they dont want to keep either car no more since there was some damage to the chassis and both are unibody cars. The thing is, when they take the repaired car for trade in, they are going to get dinged 10% minimum on each car due to the accident, which will end up costing over $5000 + loss in taxes. Will ICBC cover this loss or they will have to bring the guy to a small claims court? The police were at the accident scene and are planning to file charges for drunk driving.

TIA

[AnimeEd]

ICBC has stated they will repair the cars, but they dont want to keep either car no more since there was some damage to the chassis and both are unibody cars.Huh?
What does this mean?
You mean they could actually MAKE you sell the cars?

[pandaharo]

Huh?
What does this mean?
You mean they could actually MAKE you sell the cars?

Sorry, I meant ICBC will fix the cars, but after fixing it my gf's family dont want to keep the cars. Unibody cars, once they are damaged it's almost impossible to regain the previous structural integredity and strength.

[hugh_da_man]

Insurance should fix the cars to the point that they are in a condition similar to what they were in before the accident.

If you trade in the car you should get book value for it. If a dealer won't give you value then go somewhere else.

[pandaharo]

Insurance should fix the cars to the point that they are in a condition similar to what they were in before the accident.

If you trade in the car you should get book value for it. If a dealer won't give you value then go somewhere else.

There is this stupid rule though, if the car had over $3000 done in damage the trade in value is decreased by 10%. :(

[hugh_da_man]

There is this stupid rule though, if the car had over $3000 done in damage the trade in value is decreased by 10%. :(

Where's the rule? I've never heard this before.

[pandaharo]

Where's the rule? I've never heard this before.

I know it's somewhere in the books, every dealer I dealt with had the same thing in place I think implemented by ICBC because the check the computer. What bothers me is that when they sell used cars they dont even disclose about accidents up front. I'll try to find it tomorrow.

[hugh_da_man]

I know it's somewhere in the books, every dealer I dealt with had the same thing in place I think implemented by ICBC because the check the computer. What bothers me is that when they sell used cars they dont even disclose about accidents up front. I'll try to find it tomorrow.

So it's an ICBC exclusive thing then?

When I traded in my last car they didn't even ask to see it before offering me a value for it. Maybe it's because it was only worth a couple thousand and they really didn't care.

I guess you could try to show you lost money in the deal and sue the person responsible but that would probably take a lot of time and effort and the Canadian system blows and everyone I know who has tried to claim damages in small claims court has gotten beat.

Good luck. I'd really try to reason with a dealer when trading in the cars. Most dealers will deal on things like that because they don't tell the buyers of the used car about the accident anyways.

[grant]

I'd love to hear how small claims court works out for you.

ICBC isn't going to give you a cent for depreciation.

But if you're so certain that the cars cannot be safe any more, then get your proof together and demand they be written off.

[pandaharo]

I'd love to hear how small claims court works out for you.

ICBC isn't going to give you a cent for depreciation.

But if you're so certain that the cars cannot be safe any more, then get your proof together and demand they be written off.

I'll post back when we get the whole thing settled. We're trying to talk to ICBC to at least write off one of the cars, there is ~$10000 damage on it and the roof has caved in from the other car landing on it. They will be able to make it look the same as before, but I dont think the car will be safe anymore.

[Ziggy007]

A drunk dude crashed two of my girlfriend's family cars parked outside, one on top of another, two cars combined is going to be over 25+k in repairs. ICBC has stated they will repair the cars, but they dont want to keep either car no more since there was some damage to the chassis and both are unibody cars. The thing is, when they take the repaired car for trade in, they are going to get dinged 10% minimum on each car due to the accident, which will end up costing over $5000 + loss in taxes. Will ICBC cover this loss or they will have to bring the guy to a small claims court? The police were at the accident scene and are planning to file charges for drunk driving.

TIA

Given the extreme damage taken to the cars, and the other guy was drunk, it is his company that will be paying for this one bigtime. Your girlfriend's parents should negotiate something with the insurance company where the company will write off the cars and let you get new ones.

[Xiggy]

Given the extreme damage taken to the cars, and the other guy was drunk, it is his company that will be paying for this one bigtime. Your girlfriend's parents should negotiate something with the insurance company where the company will write off the cars and let you get new ones.
There is only one insurance company in BC (not counting optional/comprehensive coverage). When you get into an accident, everyone deals with ICBC.

[grant]

I'll post back when we get the whole thing settled. We're trying to talk to ICBC to at least write off one of the cars, there is ~$10000 damage on it and the roof has caved in from the other car landing on it. They will be able to make it look the same as before, but I dont think the car will be safe anymore.

What you "think" is irrelevant, reality is what matters.

If certified tradespeople repairing your car claim it's safe, and you cannot prove otherwise... why would ICBC not trust them?

why would you not trust them?