If you are unhappy with your adjuster’s position on the repairs or the write-off amount you can have the claim reviewed
The principal disputes that arise when dealing with ICBC and your vehicle damage are:
- You and ICBC cannot agree on a fair market value for the repairs to your vehicle;
- You and ICBC disagree on what repairs need to be completed to repair your vehicle so the vehicle is returned to its pre-accident state; and
- What is the fair market price of your vehicle if it is a “write-off”
Note that if you are having issues with the quality of your repairs, those are issues between you and the repair facility not ICBC. Deal with the repair facility directly on workmanship and quality issues.
If you are unhappy with your adjuster’s position on the repairs or the write-off amount you can have the claim reviewed by a material damage supervisor or estimating services manager at ICBC.
If this doesn’t resolve the matter, it must be resolved by way of arbitration. Arbitration is a form of dispute resolution by an independent arbitrator appointed by the parties to the dispute. Either you or ICBC can apply to the ADR Institute of BC to commence the arbitration process. The downside to going forward with arbitration is the cost of the arbitration and any expert you need to retain. Often, it does not make economic sense to go to arbitration over these disputes. Therefore, ICBC ends up winning.
If you head in the direction of arbitration, it is best to hire an appraisal expert that can assist in bringing forward the best case. You can be rest assured that ICBC will have their own expert provide evidence that will back their decision.