Your Vehicle Claims History Report may show a type of claim that you or your customer are unfamiliar with. The following list will help define the terms used in the Vehicle Claims History Report. If you have more questions, please Contact Us.
Animal Collision: Damage caused by a collision with a domestic or wild animal (dead or alive), except an animal being transported as cargo.
Collision: Damage caused by collision with an object or a vehicle.
Comprehensive: Damage caused by something other than collision. Damage can be caused by falling or flying objects, explosion, earthquake, windstorm, hail, rising water, riot, or civil commotion.
Fire: Damage caused by a fire.
Flood: A flood vehicle is defined as a vehicle that has been immersed in a liquid to the bottom of the dashboard or to a level affecting any of the major electrical system components, and/or a vehicle contaminated with toxic or biohazardous fluid that renders the vehicle unsafe due to toxic hazard.
The Canadian Council of Motor Transport Administrators' Guidelines define the "bottom of the dash" as: "the area where the floor meets the firewall at the seam". As of 2008, flood vehicles could not be licensed and insured in B.C.
Glass: Glass claims involving accidental breakage of any window of a vehicle, including a sunroof.
Sound/Communication: This means a claim was made under a Special Sound and Communication Equipment Endorsement. This endorsement covers sound and communication equipment that was not supplied by or available from the vehicle's manufacturer and is not permanently attached to the vehicle. Items typically covered include speakers attached to the vehicle with Velcro tape, used in combination with a permanently attached car stereo. Sound and Communication equipment designed to be operated in a location other than the vehicle is excluded.
Special Equipment: This means a claim was made under an Excess Special Equipment Endorsement. This endorsement provides insurance for loss of or damage to extra items that were added to the vehicle. It covers permanently attached equipment that was not supplied by or available from the vehicle's manufacturer and exceeds a certain value. Items typically covered include a custom paint finish, special wheels, and a permanently attached non-manufacturer's stereo.
Theft: The claim may be for theft from the vehicle or total theft of auto (please see below).
Theft from vehicle: Damage caused by theft of parts or attached equipment from a vehicle (e.g., stereo, wheels, winch, etc.). This also includes damage to a vehicle that is a result of theft or attempted theft of articles from the vehicle. Example: side window has been broken to gain entry to a vehicle and a stereo was stolen.
Total theft of auto: The vehicle was stolen.
Unknown: Type of claim is yet to be determined.
Vandalism: Damage caused by vandals.