will ICBC pay for MODS damages....

alanchan · 07-09-2007, 01:22 PM

My car is 323i and it has halogen now if I upgraded to OEM Xenon,
chrome bumper grilles, chrome kidneys, fog lamps... etc
and let's say someone damage my MOD parts such as xenon headlights etc....
do ICBC insurance covers that???

ctgazer · 07-09-2007, 01:26 PM

probably not. they will look at what you bought/came with the car. unless you pay extra to insure your mod's, i dont think they will cover. xenon's are not standard with the 323i no matter what options you get.

alanchan · 07-09-2007, 01:34 PM

that's really sucks....
if an accident happens, all that work and efforts is down the drain....

ctgazer · 07-09-2007, 01:39 PM

if the accident is pretty severe, itll be a write off, if not, then it all depends on your insurance adjuster. oemm stuff like that, probably will slip by. they'll look at year & model, and estimate how much $$ it will cost to repair the damage. after that, they may simply cut you a check for that amount. if you require more extensive repairs, you may want to go shop around for the cheapest garage so you can get more for less!

achien · 07-09-2007, 01:45 PM

Quote:

Originally Posted by alanchan

that's really sucks....
if an accident happens, all that work and efforts is down the drain....

Yes, avoid accident at all costs. Even if it means driving like a granny in a mod-car.

alanchan · 07-09-2007, 01:50 PM

Quote:

Originally Posted by achien

Yes, avoid accident at all costs. Even if it means driving like a granny in a mod-car.

Oh shit, with a Bimmer, I am driving like a granny

halB · 07-09-2007, 02:17 PM

I don't know whether it's the same for ICBC but in Ontario if you want aftermarket add-on's insured, you have to add it to your policy, otherwise they will just assume everything is OEM stock.

Yvette · 07-09-2007, 04:10 PM

they will pay for you.
they will let the shop order the parts for you.. and shop will send bill to ICBC..
at least that's what I think.
my friend had $4k wheels on his 350z, wheels were bent, his car was totalled off, ICBC paid his wheels too.

604_e90325i · 07-09-2007, 04:26 PM

ICBC cover after market parts.

as long as you have a porper receipt.

i used to have a AC carbon front lip on my car. someone stole the whole front bumper and that's with the AC lip. went to ICBC and they cover everything.

ctgazer · 07-09-2007, 05:04 PM

Quote:

Originally Posted by e90sexion

they will pay for you.
they will let the shop order the parts for you.. and shop will send bill to ICBC..
at least that's what I think.
my friend had $4k wheels on his 350z, wheels were bent, his car was totalled off, ICBC paid his wheels too.

Quote:

Originally Posted by 604_e90325i

ICBC cover after market parts.

as long as you have a porper receipt.

i used to have a AC carbon front lip on my car. someone stole the whole front bumper and that's with the AC lip. went to ICBC and they cover everything.

wow..u guys are lucky. must be vancouver

paullo · 07-09-2007, 05:14 PM

i got my m-technik kit when someone nearly took off my front bumper. i had to pay the difference between the OEM bumper and the m bumper, but the auto body shop and ICBC didn't care as long as they weren't out of pocket any extra than what OEM would have cost.

had i been really thinking, i would have ended up with euro xenons out of the whole thing too...

new2u · 07-09-2007, 10:34 PM

Quote:

Originally Posted by 604_e90325i

ICBC cover after market parts.

as long as you have a porper receipt.

i used to have a AC carbon front lip on my car. someone stole the whole front bumper and that's with the AC lip. went to ICBC and they cover everything.

What?? Your whole bumper was taken? Where did you park?

And for the topic of this thread, I think ICBC is pretty generous about aftermarket add-ons. (I may be wrong

)

Someone rear ended my altima before, and I got SE-R rear bumper (does anyone care about SE-R here?

). They don't really care about parts as long as price for them does not exceed the expected price.

But the best thing would be.... trying to avoid accidents!!

604_e90325i · 07-09-2007, 11:57 PM

i parked right in front of my house. then when i get to my car in the morning, i found that my front bumper is gone. then i call icbc right away to make an appointment and actually can bring the car in the same day. When the adjuster saw my car, his only comment is "i would not cover anything if you keep driving your car without the front bumper. i will tow it to the body shop for you right now"

Yan · 07-10-2007, 05:05 AM

in case of accident, if ICBC can see the aftermarket parts are installed, they will pay.
for the stolen case, you need to have the receipts of both the part and the installation. Just like the subwoofer, if you mount it in your trunk and it is stolen, they will pay. If you just put it in your trunk, they will not pay.

for stolen bumpers, most of the case ICBC does not want to pay, coz ppl can easily remove their bumper and throw it away after they hit something and the bumper is the only damage part.

07-09-2007, 01:22 PM	#1
alanchan Major 72 Rep 1,402 Posts Drives: 2006 323i Join Date: Jul 2006 Location: Vancouver, BC, Canada iTrader: (21)	will ICBC pay for MODS damages.... My car is 323i and it has halogen now if I upgraded to OEM Xenon, chrome bumper grilles, chrome kidneys, fog lamps... etc and let's say someone damage my MOD parts such as xenon headlights etc.... do ICBC insurance covers that???
	Appreciate 0 Tweet Quote

07-09-2007, 01:26 PM	#2
ctgazer Major General 383 Rep 7,952 Posts Drives: a dilapidated ride Join Date: Feb 2006 Location: canada eh! iTrader: (10) Garage List 2006 e90 [0.00]	probably not. they will look at what you bought/came with the car. unless you pay extra to insure your mod's, i dont think they will cover. xenon's are not standard with the 323i no matter what options you get. __________________
	Appreciate 0 Quote

07-09-2007, 01:34 PM	#3
alanchan Major 72 Rep 1,402 Posts Drives: 2006 323i Join Date: Jul 2006 Location: Vancouver, BC, Canada iTrader: (21)	that's really sucks.... if an accident happens, all that work and efforts is down the drain....
	Appreciate 0 Quote

07-09-2007, 01:39 PM	#4
ctgazer Major General 383 Rep 7,952 Posts Drives: a dilapidated ride Join Date: Feb 2006 Location: canada eh! iTrader: (10) Garage List 2006 e90 [0.00]	if the accident is pretty severe, itll be a write off, if not, then it all depends on your insurance adjuster. oemm stuff like that, probably will slip by. they'll look at year & model, and estimate how much $$ it will cost to repair the damage. after that, they may simply cut you a check for that amount. if you require more extensive repairs, you may want to go shop around for the cheapest garage so you can get more for less! __________________
	Appreciate 0 Quote

07-09-2007, 02:17 PM	#7
halB Colonel 53 Rep 2,384 Posts Drives: W211 E350 4M MkV GTI 987.2 S Join Date: Jan 2007 Location: Just north of Toronto iTrader: (0)	I don't know whether it's the same for ICBC but in Ontario if you want aftermarket add-on's insured, you have to add it to your policy, otherwise they will just assume everything is OEM stock. __________________ 07 E93 335i - Returned at lease end 09 W211 E350 4Matic Avant Garde - Blk/Blk, AMG pkg w/18". Sport Susp. F1 Asym. Debadged. 09 MkV GTI w/Leather & 18" Huffs. F1 Asym 10 987.2 S w/Leather sport seat, Sport Chrono, 19" Carrera S II wheels
	Appreciate 0 Quote

07-09-2007, 04:10 PM	#8
Yvette Major General 761 Rep 7,408 Posts Drives: M Join Date: Sep 2006 Location: Vancouver iTrader: (19)	they will pay for you. they will let the shop order the parts for you.. and shop will send bill to ICBC.. at least that's what I think. my friend had $4k wheels on his 350z, wheels were bent, his car was totalled off, ICBC paid his wheels too.
	Appreciate 0 Quote

07-09-2007, 04:26 PM	#9
604_e90325i Lieutenant 18 Rep 492 Posts Drives: 325i jet black Join Date: Sep 2005 Location: Vancouver iTrader: (1)	ICBC cover after market parts. as long as you have a porper receipt. i used to have a AC carbon front lip on my car. someone stole the whole front bumper and that's with the AC lip. went to ICBC and they cover everything.
	Appreciate 0 Quote

07-09-2007, 05:14 PM	#11
paullo Captain 30 Rep 686 Posts Drives: ThreeThreeFive Join Date: Jun 2005 Location: Vancouver, BC iTrader: (1) Garage List 2008 335i [0.00]	i got my m-technik kit when someone nearly took off my front bumper. i had to pay the difference between the OEM bumper and the m bumper, but the auto body shop and ICBC didn't care as long as they weren't out of pocket any extra than what OEM would have cost. had i been really thinking, i would have ended up with euro xenons out of the whole thing too... __________________ 2008 335i \| Sport \| Premium \| USB \| SSK \| æ \| Unsprung Diet 2006 330i \| Sport \| Premium \| Active Steering \| M-Sport Aero Kit \| Retired
	Appreciate 0 Quote

07-09-2007, 11:57 PM	#13
604_e90325i Lieutenant 18 Rep 492 Posts Drives: 325i jet black Join Date: Sep 2005 Location: Vancouver iTrader: (1)	i parked right in front of my house. then when i get to my car in the morning, i found that my front bumper is gone. then i call icbc right away to make an appointment and actually can bring the car in the same day. When the adjuster saw my car, his only comment is "i would not cover anything if you keep driving your car without the front bumper. i will tow it to the body shop for you right now"
	Appreciate 0 Quote

07-10-2007, 05:05 AM	#14
Yan Private First Class 9 Rep 120 Posts Drives: F80 M3 Join Date: Jun 2006 Location: Vancouver BC iTrader: (3)	in case of accident, if ICBC can see the aftermarket parts are installed, they will pay. for the stolen case, you need to have the receipts of both the part and the installation. Just like the subwoofer, if you mount it in your trunk and it is stolen, they will pay. If you just put it in your trunk, they will not pay. for stolen bumpers, most of the case ICBC does not want to pay, coz ppl can easily remove their bumper and throw it away after they hit something and the bumper is the only damage part.
	Appreciate 0 Quote