Repairs, Replacements and Write-Offs Our insurer determines if your damaged vehicle will be replaced, repaired or written off. If it’s repaired with better parts, you may need to contribute to the additional cost. If you decide to have the repairs done at a repair shop that is not one of your insurer company’s “preferred shops,” you will be responsible for managing the repair. What Is Covered?With collision coverage, your insurer pays for the repair or replacement of your insured vehicle (including equipment, but not contents). Alternatively, your insurer may reimburse you the cash value of your vehicle in the condition it was in immediately before being damaged. You will be responsible for paying the deductible.If the estimated repair cost plus the salvage value of the damaged vehicle exceeds the cash value of the vehicle before it was damaged, your insurer may decide to treat the vehicle as a write-off instead of paying to repair it. If your insurer confirms that your vehicle is a write-off, you will receive a cash settlement based on the fair market value of your vehicle before it was damaged. Repairs and Betterment Versus Write-Off and ReplacementAssessmentWhat Your Insurance Company ProvidesRepairs and bettermentYour insurer will pay to repair vehicle damage.Your insurer will manage the relationship with the insurance company’s preferred repair shop.If your vehicle is made better than it was before the damage, you may have to contribute to the additional cost. For example, if a rusty door panel that is dented in a collision is replaced with one that is not rusty, you may be expected to contribute. You may choose to have additional work done on your auto that is not related to the collision damage. This is permissible, but the betterment work will be at your expense.Write-off and replacementThe insurer will pay you the pre-collision value of your auto, minus your deductible, and keep the salvage.If your vehicle is less than 2 years old and your policy includes a limited waiver of depreciation clause, your insurer will reimburse you for the full value you paid for it. You can use these funds to purchase a replacement vehicle.Preferred Vehicle Repair ShopsIf your vehicle is damaged but can be repaired and the repairs are covered by your policy, your insurer will likely suggest that the repairs be done in one of the insurance company's preferred shops. The preferred-shop program helps control claim costs because prices are established in a contractual arrangement between the shop and the insurer. The program also ensures that a shop's work meets high standards. If you send your vehicle to a preferred shop, your insurer will deal directly with the shop and guarantee that the work is satisfactory.Choosing Your Own Repair ShopIf you choose a shop that's not in your insurance company's preferred shop program, you will be responsible for managing the repair. Be aware that the insurer will not pay more than the price that its repairer quoted.4 Tips for Selecting an Auto MechanicDon't listen to advice from a tow truck operator who suddenly appears after a collision.Seek recommendations. Your insurer likely has a list of preferred body shops in your area. Also, ask friends and relatives.Get a written estimate that includes parts and labour before you authorize repairs.Ensure that the shop agrees, in writing, to contact you for approval before performing any work that exceeds a set dollar amount. Take the Time, Report the CrimeInsurance crime can take many different forms. Recognize it. Report it.So You've Had an AccidentA convenient form to keep in your car to record the details of an accident. Just in case. Related ServicesClaims ProcessImmediately after a collision, contact your insurer to make a claim. Learn more about the claims process in your province.Car CrashStay calm and if anyone is injured call 911. It’s important to take notes at the scene of a collision and report the incident to your insurer within 48 to 72 hours. Use IBC’s form to record all contact information and collision details.Loss PreventionBy practising safe driving techniques, you can prevent a collision. If you are in a collision, watch out for repair shop scams and other preventable costs. Useful LinksStaged CollisionsA staged or alleged vehicle collision supports false auto insurance claims. Staged collisions put innocent drivers at risk and contribute to higher insurance premiums. Dispute ResolutionYou have options when filing a complaint. Start by getting more information from your insurer. Consider contacting the company’s ombudsperson. If your dispute is not resolved, you can contact the General Insurance OmbudService (GIO) or a federal or provincial Superintendent of Insurance.Fleet LiabilityPreventive maintenance is an essential part of an effective fleet risk-management program. Your organization may be held liable for a collision if a driver operates a vehicle for business purposes.