Complete a commercial estimate

Steps on completing a commercial repair estimate.

Procedure

1. Verify the information on the Estimate against the commercial vehicle.
2. Complete the repair estimate assignment.
   1. Include the following in the repair estimate:
      • estimation of the commercial vehicle damage
      • identification of the make, model, sub-model, and mileage
      • documentation for the unrelated damage, and
      • addition of required digital images.
   2. Verify the deductible amount and add it into the deductible field.
      Note: When multiple shops are involved, the deductible should be applied to the cab and hood sheet, as this is usually the primary repair facility directing repairs. The primary repair facility also makes arrangements for transport to and from the other shops involved.
   3. Confirm if the customer has a Goods and Services Tax (GST) number and are registered.
      Note: Most commercial customers are GST registered; therefore, they pay all GST costs for the claim. In rare cases, a percentage of the GST is payable by ICBC.
   4. Confirm if the vehicle is prorate plated.
      • If the plate is prorated, confirm the Provincial Sales Tax (PST) account number and write it in the Totals section.

      Note: The PST account number is sometimes referred to as a CAB card.
   5. Confirm that the vehicle identification number (VIN) is accurate.
   6. Add the appropriate labour rates, if the repair facility is known.
   7. Apply depreciation to the appropriate items, and note the depreciation percentages on the bottom of the repair estimate.
   8. Review the declared value.
      • If the declared value is low, conduct a quick actual cash value (ACV) search to determine if co-insurance applies.

      Note: Fleet claims normally do not list the declared value on the repair estimate. A co-insurance calculation may be required, with multiple CLAE sheets.
3. Discuss details of the repair estimate with the customer within 24 hours of receiving the repair estimate assignment.
   1. Advise the customer of the applicable
      • depreciation
      • taxes
      • co-insurance, and
      • deductible.
        Note: Questions from the customer unrelated to the repair estimate should be directed to the claim representative.
   2. Explain the extent of the Estimator or Appraiser involvement.
   3. Explain the customer of the repair process.
      Important: If the vehicle is a total loss and there is any delay of settlement, the customer should be contacted every 14 days.
4. Discuss details of the repair estimate with the repair shops.
   1. Collect signatures on the repair estimate from each repair facility if multiple repair shops are involved.
   2. Advise all shops of their involvement and requirements.
5. Photocopy the Manual Estimate.
6. Retain the copy and leave the original version with the customer or repair facility.
7. Store the digital images.
8. Record the Vehicle Estimate Status.
   Include the following:

   • Vehicle Estimate Status
   • Resource
   • Time stamp, and
   • Comments.
9. Record the Type of Vehicle Estimate in ClaimCenter.
   Include the following:

   • Type
   • Form Identification (ID)
   • Investigation type
   • Resource
   • Time stamp
   • Gross total value
   • Days to repair
   • Approval status
   • Approval method, and
   • Comments.
10. Send the photocopied Manual Estimate to the Document Capture Facility (DCF).
    Result:
    

    DCF scans the Manual Estimate and attaches it to the claim.

11. Add a note in ClaimCenter and complete the EST - Estimate Vehicle - Drivable, or Non-Drive, activity in ClaimCenter.
    Note: After the repair estimate is scanned by the DCF, an activity will be created and assigned to the exposure owner for mail confirmation.