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If your vehicle is a write-off

Sometimes it costs more to repair a vehicle than the vehicle is worth. When this happens, we generally write it off and pay the owner an amount to replace it.

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.

To make this decision, your estimator will:

  1. estimate your vehicle’s repair cost, then
  2. calculate how much it would cost to replace your vehicle, less its value as salvage.

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


How we determine a vehicle’s value

To calculate a vehicle’s value, we do a complete inspection, considering:

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.

Not satisfied with your settlement?

You can have your write-off amount, called a' total-loss settlement' reviewed by a claims manager.

If this doesn’t resolve the matter, you may be eligible for vehicle-damage arbitration. Under this process, you and ICBC apply to the British Columbia Arbitration & Mediation Institute.external link