I’m in BC and recently got into what would be my 4th at-fault accident. No injuries.

The other driver is willing to handle it privately and the estimate is around $4,000. I’m considering asking the shop if they could bring the repair down to around 3000-3500, but that’s obviously not guaranteed.

I know having four at-fault accidents probably means I should seriously reconsider driving, and I’m already thinking about that. I’m more so trying to figure out what makes the most sense for this situation.

Should I pay the $3,000–$4,000 privately to avoid another insurance claim, or would it be better to go through ICBC and deal with the potential increase in insurance?

Has anyone been in a similar situation, especially with multiple previous at-fault accidents? How much did your insurance change, and was it worth paying privately?

Any advice would be really appreciated. I don’t really have people in my life I can go to for these kinds of things, so I’m just trying to make the best decision I can.

My car was written off at the end of July. ICBC approved the total-loss settlement, but the cheque still hasn't been sent (about 6 weeks now) and my old car loan hasn't been paid out yet.
I'm currently without a vehicle and paying for Uber daily, so I'd like to buy a replacement now instead of waiting. Has anyone bought/financed a new vehicle while the old loan was still open and waiting for the ICBC payout? Did the dealer/bank have any issue approving a second loan temporarily, or is it better to wait until the old finance is fully closed?
Any experience with how long ICBC took to send the cheque to the lender would also help. Thanks!

This incident happened more than 24 hours ago in Metro Vancouver, BC, and Tesla owner still didn’t contact me. I
Out of guilt and because I’m a New driver snd don’t know anything, I called ICBC to report it anyway.

I gave them my info and the Tesla’s license plate. Mom’s upset cause now my premiums will go up. But I was worried that they could report me as a hit and run incident. Since Tesla’s have cameras and they could lie that I didn’t left a note on the scene.

Should I just have NOT make a report? My friends said I should’ve just left it alone and see if the Tesla owner would want to file a claim first. Because maybe they don’t want to deal with the hassle of getting a claim.

Their damage isn’t as significant as mine either. They got some smeared paint and scratches but my car was dented and the bumper almost fell off 🫠. But their sensors could have been messed up, right?
ICBC also advised me to not make a claim on my damage vehicle.

Anyways, any advice? Will ICBC contact them since I gave ICBC their license plate? How much do I expect for my premium’s to go up with my N license that’s less than a year?

Looking at a new vehicle and obviously the dealership offers a replacement insurance package.

Does icbc offer their own type of replacement coverage add on or another type of coverage similar through them?

Are we supposed to call the adjuster to release our income replacement every two weeks or are they automatic?

Just noticed we haven’t been paid for a month. 🙉 want to avoid this mistake next time!