Now that my car is finally road ready, i have been trying to find a way to properly insure my car in case of an accident. My car is a 1963 Custom, so it doesn't fit in the collector or modified vehicle category. I assume that if it's written off in an accident ICBC would pay out pennies on the dollar for what it has actually cost.
I work for a personal injury law firm and we deal with ICBC daily so I spoke with a couple of my regular ICBC adjusters and they didn't have a clue what to do. They passed me on to head office and I was re-directed to somebody in their special vehicles department. He was super aggressive and kept telling me I'd have to talk to an adjuster. Gosh, quite the run around. He confirmed that due to the year and modifications I dont qualify for custom or modified status (which I knew), but to "just keep your receipts and take pictures. That will work if you're in an accident"... likely story!! Originally I thought getting an early appraisal would work, but the guy on the phone said the adjuster has the discretion to use the appraisal or not, so I could 'waste my money if I wished'.
Has anybody found any loop holes in insuring their car, or any tips on how to protect myself against ICBC? I am sure there are some sad stories of a real nice looking bug getting squished and ICBC didn't have anything to compare for value.
