What must an applicant do before making any temporary repairs to their vehicle under Own Damage Coverage?

The requirement for an applicant to notify the insurer of the loss promptly before making temporary repairs to their vehicle under Own Damage Coverage is crucial. This is because timely notification allows the insurer to begin the claims process and assess the situation effectively. It helps ensure that the insurer is aware of the incident and can make necessary arrangements, such as sending an adjuster to inspect the damage.

Prompt notification is beneficial for both the claimant and the insurer; it helps protect the rights of the insured while allowing the insurer to manage claims efficiently. If the applicant makes temporary repairs without notifying the insurer, it could lead to complications in the claims process, including potential disputes over the extent of damage or repairs made without the insurer's knowledge.

While there are other important steps like contacting ICBC, waiting for an adjuster, or filing a police report, the primary focus before any temporary repairs should be on notifying the insurer, as it directly impacts the claim process.