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Was your car damaged in the B.C. windstorm? Here’s what you need to know

WATCH: Jeremy Hunka reports on the destructive windstorm that hit B.C. on Saturday

VANCOUVER — B.C. residents whose cars faced the wrath of Mother Nature during Saturday’s dramatic windstorm will have to check how much coverage they purchased in order to determine whether they’ll be covered for trees and tree limbs falling on their vehicles.

ICBC says their claim centre call volume increased by 50 per cent on Saturday (with more than 2,000 calls) and 66 per cent on Sunday (with more than 1,500 calls) compared to the previous weekends in August.

The eClaim service received 227 claims on Saturday and 284 on Sunday. It usually averages 70 to 80 claims per day on weekends.

“It would depend on the insurance policy you purchased for your vehicle,” Adam Grossman, senior media relations adviser for ICBC, told CKNW. “Typically an object falling on your vehicle, in this situation a tree landing on your vehicle, would be a comprehensive claim.”

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READ MORE: Metro Vancouver begins clean-up as windstorm leaves thousands without power

While B.C. drivers have to get their basic coverage through ICBC, it is up to them whether they get full coverage through the Crown corporation or through another provider, he explained.

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Comprehensive coverage — which covers damage caused by lightning, hail, wind, rising water and falling or flying objects — is optional. But, “thankfully,” most B.C. drivers would have comprehensive coverage through ICBC or a private insurance provider, Grossman added.

“Around 80 per cent of our personal insurance customers get their full coverage through us and that would include collision and comprehensive coverage as well.”

Grossman said in many cases, depending on the individual car owner’s policy, the cost of towing the vehicle to the repair shop to get a damage estimate would be covered.

When it comes to branches and limbs falling on a vehicle, for example, it’s more likely you may only need parts, such as the windshield, to be replaced.

“In the cases where a tree in its entirety has come down on top of a vehicle, in many cases you’ll be looking at a total loss for that claim rather than a repair,” Grossman said. And how much the payout for a “total loss vehicle” will be depends both on the insurance package and the market value of the car.

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“We do sell a package, as other insurers do, which can guarantee the full replacement value for their vehicles, for the purchase price. But, again, that’s really dependent on whether you purchased that package or whether you have a standard policy with us.”

READ MORE: PHOTOS: Largest South Coast storm in a decade causes mass power outages

In cases where there is a dispute over the offer ICBC makes on their claim, such as over the value of a vehicle that has been damaged beyond repair, Grossman said there are steps a customer can go through to appeal.

While there will be a deductible applied to any insurance claim, he added the “good news” is that a comprehensive claim won’t affect a customer’s insurance premium down the road like a collision claim would.

If you need to make a claim, ICBC’s dial-a-claim line is operational 24 hours a day. The number for the Lower Mainland is 604-520-8222. For customers elsewhere in B.C., dial 1-800-910-4222.

“We always advise to submit the claim to us as early as you can and we can start the process for you and make sure that your repair or replacement is taken care of,” Grossman said.

He says their employees are working extra hours to make sure they can process all calls.

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– With files from CKNW

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