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Sometimes it costs more to repair a vehicle than the vehicle is worth. When this happens, we generally pay you an amount based on its actual cash value at the time of the car crash.

How a vehicle is written-off

After you make a claim under your Collision, Comprehensive or Specified Perils coverage, an estimator determines whether it should be repaired.

A vehicle is written-off when the costs of repairing it are greater than replacing it.

To make this decision, your estimator will:

  1. estimate your vehicle's repair cost, then
  2. calculate the vehicle's actual cash value at the time of the crash less its value as salvage.

How we determine a vehicle's value

To determine a vehicle's current market value, we take the following into considering:

  • year, make and model
  • factory options
  • after-market equipment
  • odometer reading
  • mechanical, tire, exterior and interior condition

We also consider similar models offered for sale privately and through dealers.

Your deductible

If your vehicle is written-off, you may still need to pay the deductible that applies to your coverage. If you're not at fault, the deductible may be reimbursed or waived.

As a general rule, we don't allow you to keep your vehicle after it's written-off. If there are extenuating circumstances, you may wish to discuss further with a material damage estimator.

Not satisfied with your settlement?

You can have your write-off amount, or total-loss settlement, reviewed by a total loss supervisor or estimating services manager.

If this doesn't resolve the matter, you may be eligible for an arbitration process​. Under this process, either you or ICBC can apply to the British Columbia Arbitration & Mediation Institute.

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