What Does ICBC Cover And What Don't They Cover In A Trailer Repair Claim?
If you own a trailer and have insurance with the Insurance Corporation of British Columbia (ICBC), it's important to know what to do if your trailer is damaged and needs repairs. Here's a guide to ICBC trailer repair claims, including how to file a claim, what can be repaired, and what can't.
How to File an ICBC Trailer Repair Claim
If your trailer has been damaged in an accident or due to other circumstances, you'll need to file a claim with ICBC to have the repairs covered by your insurance policy. Here are the steps to follow:
Assess the damage: Take a look at your trailer and make note of all the damage you can see. Take pictures if possible.
Call ICBC: Call the ICBC claims center at 1-800-910-4222 to report the damage and file a claim. Make sure you have your policy number handy.
Provide details: You'll need to provide details about the accident or damage, including the date, time, and location of the incident. You may also need to provide the names and contact information of any witnesses.
Arrange for repairs: ICBC will either provide you with a list of approved repair shops,like KDM Welding And Manufacturing LTD in Abbotsford. Make sure our repair shop knows that you're filing an ICBC claim.
Pay your deductible: If you have a deductible on your policy, you'll need to pay that amount to the repair shop before they start work on your trailer.
Wait for repairs: Once the repair shop has started working on your trailer, they'll give you an estimate of how long the repairs will take. You'll need to make arrangements to pick up your trailer when it's ready.
What Can Be Repaired
ICBC will cover the cost of repairing your trailer if it's been damaged in an accident, fire, or other covered event. However, there are some limitations to what can be repaired. Here are some of the things that can typically be repaired:
Body damage: If your trailer has dents, scratches, or other damage to its body, ICBC will typically cover the cost of repairing the damage.
Electrical systems: If your trailer's electrical systems have been damaged, such as its lights or wiring, ICBC will typically cover the cost of repairing or replacing the damaged components.
Axles and suspension: If your trailer's axles or suspension have been damaged, ICBC will typically cover the cost of repairing or replacing them.
Appliances: If your trailer's appliances have been damaged, such as its refrigerator or stove, ICBC will typically cover the cost of repairing or replacing the damaged components.
Damaged Frames: We are one of the very few trailer repair shops that can fix frame damage and have your trailer be an insurable unit.
What Can't Be Repaired
There are some things that can't be repaired, either because they're too damaged or because they're not covered by your insurance policy. Here are some of the things that typically can't be repaired:
Total loss: If your trailer is damaged beyond repair, ICBC will consider it a total loss and will pay you the actual cash value of the trailer, minus your deductible.
Wear and tear: If your trailer is damaged due to normal wear and tear, such as a worn-out tire or a broken window due to age, ICBC won't cover the cost of repairs.
Neglect or misuse: If your trailer is damaged due to neglect or misuse, such as failing to properly maintain your trailer or using it for a purpose it wasn't intended for, ICBC won't cover the cost of repairs.
Non-insured events: If your trailer is damaged due to an event that's not covered by your insurance policy, such as flooding or an earthquake, ICBC won't cover the cost of repairs.
It's important to note that if the cost of repairing the trailer exceeds its actual cash value, ICBC may declare it a total loss and offer you a settlement based on the value of the trailer. You can choose to accept the settlement or negotiate with ICBC for a higher amount.
Overall, if you need to file a trailer repair claim with ICBC, it's best to contact them directly and provide as much information as possible about the damage to your trailer. They will be able to advise you on what repairs can be covered and guide you through the claims process.
Once you have your claim in order, or even if you need help with what to do, contact KDM Welding & Manufacturing LTD and get your unit to Abbotsford and we will handle the rest fast and on budget!