Determine coverage for an uninsured parked vehicle

A claim owner or exposure owner determines if coverage is available for damage to an uninsured vehicle that was parked when struck by an ICBC insured vehicle. For claims with a date of loss (DOL) on May 1, 2021, or later.

Procedure

1. Determine if the loss location was on a highway.
   Note: As per section 173 of the Insurance (Vehicle) Act, the vehicle damage lawsuit ban does not apply to a claim occurring off highway, if the crash does not involve at least two licensed and insured standard motor vehicles.

   If the loss was ...	Then ...
   on-highway	no coverage is available for the uninsured parked vehicle damage, due to the lawsuit ban. Advise the customer that no coverage is available. Procedure ends here.
   off-highway	coverage may be available. Proceed to step 2.

2. Determine responsibility, and advise the customer of the results.
   Note: For additional information, refer to Responsibility assessments.

   If the motorist is ...	Then ...
   responsible	the uninsured parked vehicle damage has coverage from the responsible motorist's Third Party Liability coverage.
   not responsible	no coverage is available for the uninsured parked vehicle damage,

   Note: The RO or lessee of an uninsured vehicle parked off highway, may have a Third Party Liability claim against the responsible vehicle that struck their vehicle, if the third party vehicle was licensed and insured when they struck the uninsured parked vehicle.
3. Check if the third party has reported a claim for this loss.

   If a third party (responsible motorist) ...	Then ...
   reported	associate the third party's claim to the RO or lessee's parked uninsured vehicle claim, and use the procedure, Create an Event-related association. Note: For additional information, refer to Associations
   did not report	start a Statutory claim for the RO or lessee's parked uninsured vehicle.

4. open a Towing - No Own Damage exposure, and set the reserves for the uninsured parked vehicle claim.
   Note: The portion of the vehicle repair or replacement that the responsible motorist is not responsible for, is

   • paid against the Towing - No Own Damage exposure, and
   • transferred to the responsible motorist's Third Party Liability exposure by financial distribution.