A stationary vehicle struck and damages by a momving vehicle is covered under it's collision insurance not it's comprehensive insurance.
When a stationary vehicle is hit by another vehicle, that damage is caused by a collision and is covered by collision coverage under the British Columbia Automobile legislation.
Here is the case citation ICBC v. Farmer [2007] B.C.J. No. 2379. British Columbia Supreme Court. E.M. Myers J. October 11, 2007.
Here is a link to the decision.
This case was originally summarized by Sarah Swan and originally edited by David Pilley.
The Insurance Corporation of British Columbia appealed a Provincial Court decision in which the judge held that because the insured's truck was stationary when it was damaged by another vehicle, the loss was not covered by collision protection and was instead covered by comprehensive protection. The British Columbia Supreme Court allowed the appeal and found that damage caused to a stationary insured vehicle when it is hit by another moving vehicle is damage caused by the collision of a vehicle with another object. The Court noted that to hold otherwise would mean that a vehicle stopped at a red light and hit from behind would be covered under comprehensive rather than collision insurance.
