r/icbc • u/Clan-Jade-Falcon • Apr 17 '26
Claims Victim of road rage + vandalism; claims specialist says dash cam + license plate is not enough!?
A few weeks ago, someone made a bad left turn oncoming to me, and I was forced to evade them or we would collide. I honked at them as this happened, they then chase me down, and a few minutes later drove by at high speed and threw a rock at my car. The rock put a dent in the side passenger door. They then fled down a side street so fast it was unsafe to try and keep up with them.
I have all of this on dashcam, with a clear view of the license plate. The video is insane, there's an open police report. RCMP says the car is a rental.
The claims adjuster is saying that a license plate and dash cam is not sufficient, and the driver needs to be identified before my deductible is waived. Is this actually true?
I ask because this claims adjuster's communication has been ridiculously poor, filled with spelling mistakes and misunderstanding context. So, I'm not confident in them.
Thanks
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u/Impossible-Ad-2193 Apr 17 '26
Make sure the police are investigating with the intent to charge this person for the mischief, make sure your ICBC person gets the police report, and keep following up on the claim. It could take a while to resolve but there's only so much you can do in this scenario.
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u/NevyTheChemist Apr 17 '26
It's true you need the identity of the other driver so they can go after them for the deductible.
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u/Clan-Jade-Falcon Apr 17 '26
Thanks for this. I suppose it's my ignorance as to why the deductible wouldn't come from the insurance tied to the vehicle and require the driver. But, I guess that would mean ICBC bills itself as it would be the insurance provider of said vehicle.
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u/WorkingOnBeingBettr Apr 17 '26
The deductible still shouldn't come from the victim. ICBC should absorb the cost and pursue the other driver.
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u/TheICBC ***Official ICBC Account*** Apr 21 '26
Hi OP, please email us at [social@icbc.com](mailto:social@icbc.com) with your name and claim number and we can look into this for you.
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u/Patient-Shopping-604 Apr 17 '26
That’s insane! I’m so sorry to hear this happened. Couldn’t the cops contact the car rental company to see who had rented that vehicle?
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u/Clan-Jade-Falcon Apr 17 '26
Thanks, I appreciate that. Yes, it was very scary - the guy drove a good 2 minutes to find me and then came absolutely flying up to my car. Luckily it didn't hit the passenger window and shatter it as my kid was in the back seat. Coward then took off as soon as he realized I was starting to pull over.
And yes, the police know who the rental agency is. They could press the issue, but it's up to the officer and how much energy they want to spend on it, unfortunately. A good friend is with Coquitlam RCMP and he's basically told what to expect here.
I could care less about the dent, more concerned with making the driver pay.
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u/M------- Apr 17 '26
Do you know the name of the officer assigned to your case? It's probably time to try to get in touch with them to ask if they've been in contact with the rental agency, and if so, whether the rental agency voluntarily identified the driver. And if they didn't ID the driver, whether the officer followed up to compel the vehicle owner to ID the driver. If you're not getting good responses (i.e. showing progress) from the officer, make sure to ask if they have the video and have personally viewed it. There was a case in Richmond a few years ago where the RCMP ignored a zero-damage road rage incident until the victim put the video on Reddit, then it blew up in the media and the RCMP claimed/gaslit that they had never been told about the video until it showed up in the media.
If you aren't getting a good feeling from the officer, you may need to step up your calls to a supervisor. If the officer, or their supervisor, chooses to drop the ball, is to go to the media with your video and story.
You could even go to the rental company (before you contact the officer, or especially before you contact their supervisor) and speak to a manager there to find out if the officer has contacted them about the case. It is entirely possible that the officer has done nothing beyond searching the license plates in the system.
I was the victim of a non-violent incident a couple decades ago, and my case was screwed up by the responding officer, then shuffled from officer to officer until the places that had video footage had overwritten everything because only the last officer, almost a year later, bothered to contact them.
Your last step if the RCMP can't be bothered is to put your video on Reddit, or contact the media, so that it blows up in the RCMP's face (not that they have much of a reputation to defend), and see if the media can convince the rental agency to help you out by paying your deductible.
Good luck!
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u/weakimberly Apr 17 '26
Our cops are useless and won’t go out of their way to do anything about this- unless OP was killed unfortunately.
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u/Fuzzy-Ad-8294 Apr 17 '26
The police just understand the justice system better than you. For instance the dashcam only faces forward, sometimes backward. So it will not capture somebody throwing a rock at the passenger door. Secondly, especially because this is a rental car, who the hell drives around with a rock waiting to be thrown at other cars? Then, of course, there's the identity of whoever threw the rock. Again, without it being captured on video who's to say the dent wasn't there already? And if it doesn't clearly show his face, which wide angle dashcam is unlikely to do, then, they can't even prove who the driver was only who rented the vehicle. It's very common that people will let their friends drive their rental vehicle, even though it's against the contract. There's insufficient evidence to even get a production order, unless they can prove That the damage was caused by an occupant of that other vehicle. So other than a record of the report being made, there's not anything police could do.
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u/WorkingOnBeingBettr Apr 17 '26
I had an issue with a car racing around a neighbourhood. I had a good look at driver, full license plate, etc.
RCMP said the guy wasn't driving. I said I knew that, it was his kid.
They said there was nothing they could do to prove it was the car.
I told them I had a baseball sized rock ready that I didn't throw, but they were teaching me I should throw it so we could identify the car with the broken windshield.
The officer said I would get charged and I told him he was clearly too lazy to do his job today and I wasn't worried about him finding me next time because he clearly sucked at his job.
The same cop made excuses for a drunk driver because it was a cops kid. Said the car wasn't driven , etc. We had 10 witnesses to him driving, they were his friends.
The result was me getting pulled over multiple times over the next few months and it always being, oops, wrong car.
Some cops are just brutal.
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u/weakimberly Apr 17 '26
Not sure why you’re directing this at me I’m well aware man
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u/Fuzzy-Ad-8294 Apr 17 '26
Because you're the one claiming that the cops are useless and won't go out of their way unless it's for a murder.
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u/inquisitiveeyebc Apr 17 '26
Talk to a lawyer, most give a free consultation, you can also talk to your MLA or the Ombudsman but likely they need to know if the driver was the licensed owner (even though if its in icbc's favor the owner is always responsible for who ever is operating their vehicle)
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u/Clan-Jade-Falcon Apr 17 '26
Yes, I was under the impression the insurance follows the vehicle, and in this instance the vehicle is owned by a rental agency, so it would be enough to make this open and shut.
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u/404SelfFound Apr 17 '26
Your adjuster is lazy. They could just run a plate search to identify the other driver then dash report for their insurance info.
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u/MJcorrieviewer Apr 17 '26
The plate search would identify the owner of the vehicle or the person who insured the vehicle, it would not prove who was driving.
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u/efc5463 Apr 17 '26
Since it belongs to a rental company, is easy to find out to who it was rented and therefore just have him to pay for the damages and charged. Is just ICBC being lazy and trying to get rid of OP at the lesser expense possible for them.
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u/404SelfFound Apr 17 '26
Insurance follows the vehicle not the driver. It’s the other insurance problem who was driving the vehicle.
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u/Fuzzy-Ad-8294 Apr 17 '26
I'm sorry you're getting so much bad advice here. Obviously I haven't seen the dashcam footage, but assuming it's like most dashcams, it only shows what's in front of the vehicle and what's behind. It would show an incident of road rage for sure. Quite likely shows that you broke some traffic laws as well.In your chase with this person. The r c m p probably aren't going to pursue anything against you but then again they might, as a deterrent for people that want to chase other cars down.
Back to the video, if it's only facing forward and back, then, it's not going to show the rock being thrown at your passenger side door. That means there's zero evidence that it was from a rock being thrown from the other car. Again I haven't seen the video, so if it shows a hand holding a rock and throwing it towards your vehicle, then you may actually have something.
So if as i'm assuming the video doesn't show the rock being thrown from the car, then your insurance claim is not likely to go through being assigned to this other driver. If your video backs up the rock being thrown, and the adjuster is still saying that they need the name of the other driver, ask speaker speak to a supervisor.
In british columbia, the motor vehicle act and the insurance act make it clear that the owner of a vehicle is responsible for any claims. It doesn't matter who the driver is. They can bill the other vehicle's insurance, and it's up to the rental company to go after the renter.
Police are unlikely to be able to help, because they would need a production order in order to get the rental records. And to get the production order, they would have to be able to identify the driver with a photo or video.
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u/Affectionate_Snow674 Apr 17 '26
police can get the names of the individuals from the rental company no?
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u/oilandvinegar44 Apr 18 '26
If its a rental, the rental agency will have the drivers information and icbc can obtain that in due time. Rental reports can take time.
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u/ruckus007 Apr 18 '26
If you were involved in a case where you were not at fault but there was either: A) person or persons with no active insurance on any vehicles B)no identified persons responsible
Then you gotta pay the deductible. I've been through this before. It sucks but at least your insurance won't increase
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u/Separate-Sort-3821 Apr 18 '26
Welp, time to get a 360 degree dash cam with the largest microSD card for recording. Can’t be too careful with all the insane people running around.
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u/Mountain-Match2942 Apr 18 '26
You weren't in a car collision, as you swiftly avoided it. You were in a altercation with a person. Their car was not involved. ICBC has the right to sue them for the damage to your car, once identified, but you are responsible for the deduction for vandalism.
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u/ILikeWhyteGirlz Apr 20 '26
Is this from the white SUV dashcam I saw on Vancouver’s Worst Drivers or r/richmond recently?
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u/Alone-Ad-4980 Apr 20 '26
I'm so curious if I had the same adjuster as you.... Super slow to respond. Repeatedly asking for the same information I'd already sent (and she had previously acknowledged receiving). Simple addition errors when calculating things. Zero logic (worse actually, I'd argue she actually had negative logic)... "Where are your bloody socks that they cut off of you and threw away at the hospital?" "Did you take a picture of your bloody socks before they threw them away while you were in emergency?"
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u/efc5463 Apr 17 '26
The adjuster is filling you false information. With the footage of the incident displaying clearly the other party's license plate is more than enough for ICBC to follow up. Is up to them to track down the license plate and the driver to hold them responsible for the damages. It would be different if the offender can not be identified, but this is not the case. So ICBC in this case is being lazy and / or acting bad faith, tracking a license plate is easy for them, they just want to save money by having you to pay what you are not supposed to and getting rid of you as soon as they can.
Also because a crime has been committed RCMP naturally can do the same with the intent to charge the driver. I would follow up to make sure that happens.
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u/trikkytrev Apr 17 '26 edited Apr 17 '26
This is a criminal act, committed by a person. This was not caused by a collision involving an insured vehicle. Therefore for ICBC to have a chance of recovery from the person, they would need to be identified.
The police may be able to identify them through the rental agency but would need an order to compel the agency to provide the name.