Having deductibles is standard in
the insurance industry and it helps keep insurance affordable.
When you buy Collision and/or
Comprehensive insurance, you have to choose a deductible. It is the amount you
must pay before your insurance kicks in to pay for the remainder of the
repairs.
If the other driver is at fault
and insured by ICBC, your deductible may be reimbursed or waived.
If the other driver doesn't have
insurance with ICBC, you or your adjuster need to request the reimbursement of
your deductible from the other driver's insurance company. Learn more if
you are not responsible.