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| ICBC - Autoplan Insurance - Do I need more coverage? - For your vehicle - Comprehensive |
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|?font color="#FF9900";Comprehensive |?a href="insura_morcov_vehicl_specpr.html" class="hyperlinks";Specified Perils |?a href="insura_morcov_vehicl_storag.html" class="hyperlinks";Vehicle in Storage coverage |?a href="insura_morcov_vehicl_deprec.html" class="hyperlinks";Limited Depreciation Coverage |?a href="insura_morcov_vehicl_replac.html" class="hyperlinks";Replacement Cost Coverage |?a href="insura_morcov_vehicl_offroa.html" class="hyperlinks";Off-road vehicles? Agreed Value for Collector Cars
Comprehensive
Comprehensive insurance covers loss or damage to your vehicle by most causes except those covered by Collision insurance.
What it covers
For example, Comprehensive insurance covers vehicle damage or loss from:
fire
theft (except by an employee or member of your household
vandalism
falling of flying objects, including rock or gravel damage to your windshield
malicious mischief
lightning
windstorm
earthquake
hail
impact with animals
missiles
riot
civil commotion
rising water
the stranding, sinking, burning, derailment, or collision of a conveyance transporting the vehicle on land or water
It does not cover loss or damage to:
contents of any vehicle other than some contents of a motor home
tires, unless stolen or if the damage is a result of one of the losses listed above
any part of the vehicle as a result of mechanical breakdown, rust, corrosion, wear and tear, freezing or explosion within the combustion chamber - unless the damage is caused by one of the losses listed above
Effect on your discount
Claims made under your Comprehensive coverage do not affect your discount on the Claim-Rated Scale.
Cost
Because Comprehensive insurance deals specifically with vehicle damage, the type of vehicle you drive will affect the premium you pay, along with where you live. And of course, your standing on the Claim-Rated Scale will determine whether you get a discount or pay a surcharge on the base premium for the coverage.
Deductible
Your deductible is the amount of money you have to pay before your insurance kicks in to pay for the rest of the repairs. Deductibles can vary from $300 to $2,500 for Comprehensive insurance on regular vehicles.
Except for windshield claims, the minimum deductible for Comprehensive coverage is $300.
If you have a history of comprehensive claims, you may only be able to buy comprehensive insurance at a higher deductible.
The lower your deductible, the higher your premium. The higher your deductible, the lower your premium.
You have to decide how much you can afford to pay for repairs if you do have a claim, versus how much you want to pay for your premiums.
Windshield claim deductible
For windshield damage claims due to flying objects such as flying rocks or gravel, the minimum deductible is $200 (when the minimum Comprehensive deductible is purchased).
Loss of Use coverage
Comprehensive coverage includes Loss of Use coverage only if your vehicle is stolen (as long as your vehicle is not a taxi, limousine-use or u-drive vehicle). This exclusion takes effect for new policies on November 8, 2001 and for renewals on January 1, 2002.
Coverage begins 72 hours after the theft is reported to police, and ends on the earlier of: repairs being made to a recovered vehicle; ICBC settling or offering to settle the claim; or reaching the limit of coverage, which is up to $40 per day to a maximum of $800.
Your adjuster will tell you how to proceed if you have a claim.
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