Can I enroll a loaner or rental vehicle in BAA?

No. BAA is very careful to provide our services only to members of the Church of God in Christ, Mennonite. Enrolling property not owned by members of the church would be a breach of our legal requirements.

What if I forget to enroll my vehicle and have a collision?

You should not operate a vehicle without first attempting to inform BAA of your intention to enroll it. Once you have tried to contact BAA via fax, mail, email, text message, voice message, or any other available form of communication, you can assume that it is enrolled, provided that you qualify for this program.  You should follow up with BAA if your message has not been acknowledged within a reasonable time.

Having said that, we recognize that human error is a fact of life. If you have an unfortunate incident before you have contacted us, please call us to discuss your options.

What does the term "comprehensive" mean?

Comprehensive damage includes breakage of glass, loss caused by projectiles, falling objects, fire, theft, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot, civil commotion, animal collision, or hit and run collision. The personal responsibility for comprehensive losses is $250.00 or for heavy equipment $1000.00.

What does the term "collision" include?

Collision means your car upset or hit or was hit by a vehicle or other object. The personal responsibility for collision losses is $500.00 or for heavy equipment $1000.00.

Is the BAA Loss Report Form necessary?

Yes. The loss report form is important and provides BAA with a written confirmation of loss. Please be sure to fill it out completely and sign and date it at the bottom. The only exception to using the loss report is for glass replacement or repair.

Do I need to report my loss within a certain time frame?

BAA does not have a time limit for reporting a loss. However it is essential that repairs are done in a timely way. BAA has the authority to reduce or reject a loss payment if the damage has worsened due to neglect.

Body shop repairs can be shockingly expensive and it is not strange for minor looking damage to exceed the value of your vehicle. If BAA ends up writing off your vehicle long after an accident, your payout will be based on the market value of your vehicle type when you report it. This could be much lower than at the time of loss.

In general BAA will cancel your policy effective on the date of loss, but if you delay to report the damage and/or continue to operate the vehicle for an extended period of time BAA will not be obligated to backdate the cancellation.

Do I need to get two estimates for repair?

We no longer require two estimates for a repair. Please provide us with one repair estimate from a reputable auto body shop. If the damage exceeds $5000 we will require the shop to submit the estimate directly to us along with photos to document the damage. We request that you contact us prior to commencing with any repairs unless the damage is very minor.

What happens if the driver of my vehicle is not properly licensed according to law?

If the loss occurs on a public road, BAA is not responsible for the loss. If the loss occurs on private property, depending on the circumstances BAA may only be responsible for fifty percent of the loss.

What if my vehicle is totaled?

If the vehicle is obviously totaled, please submit a few clear pictures to BAA for review. If a credible body shop indicates the vehicle cannot be repaired or the cost of repair is approaching it's current value, please contact BAA and discuss having the vehicle written off. BAA will require you to obtain two salvage bids on the vehicle. Used auto parts salvage yards are typically a good place to obtain bids. If the vehicle is too old it may be difficult to obtain a salvage bid. A scrap metal dealer may also be an option for salvage in such cases.

Why are salvage bids required?

The intention of BAA is to pay for your actual loss. The totaled vehicle still retains a "salvage value." BAA does not take possession of your damaged vehicle because we do not have the infrastructure to deal with salvage vehicles. Hence the requirement for the customer to find a salvage value. If you are not familiar with this process please find a brother in your congregation to help you.

What if I can find a salvage bid higher than the ones I turned in?

In order to make the BAA program fair and equal for all subscribers, due diligence should be given to find the best salvage value available. You need to turn in the highest bid you receive. If you feel uncomfortable dealing with the highest bidder due to fraudulent reputation or high freight costs please share this with BAA. Once settlement has been made, you assume full responsibility for the vehicle, and the settlement should be considered closed.

What if the total repair bill is different from the estimate.

If the total repair bill is more than the estimate, BAA will gladly make a supplemental payment to you. If the total repair bill is less than the amount we paid you, the difference should be repaid to BAA.

Does BAA pay for towing or storage?

BAA will pay up to $1300.00 for towing and/or storage charges directly related to the accident and up to $15,000.00 per incident, per unit, for trucks and heavy trailers. This applies to all vehicles enrolled in BAA. Please include towing and/or storage invoices when report your loss, or later if not currently available.

For example, a semi truck, where the tractor and trailer are listed separately, would be eligible for reimbursement of $15,000 each in towing, recovery and storage charges in case the truck was involved in an incident.

Can I access my account info online.

At present this is not available. If you would like to receive an email with your statement, or a list of vehicles you have entered, or a declaration page for a specific vehicle, please go to the request info page, select what you need, and fill in the required details. We will try to respond within 1 business day.

Does BAA pay for fire calls?

BAA pays up to $6,000 for fire fighting charges. Please submit any fire fighting bills when you report your loss, or submit them later if they are currently not available.

What happens when the other party is at fault.

If a police report states that the other party is at fault, or if the other party accepts responsibility for the accident, you should report this accident to your insurance provider and request to open a claim. Most of Canada has DCPD (Direct-Compensation-for-Property-Damage) laws. By law your insurance provider is responsible to cover damage caused by a third party. It is up to them to collect from the other party's insurance for such a loss. This type of a claim will pay for your damages plus for the loss of use of your vehicle with no deductible. Typically they will require you to pay for your own insurance on a rental vehicle.

What is DCPD and is it important?

Most provinces in Canada have a law that requires your insurance provider to take care of paying for damages to your vehicle when the other party is at fault, even if you only carry liability insurance. This is called, Direct Compensation for Property Damage. or DCPD. This will cover your complete loss with no deductible, including a rental car if your vehicle cannot be used. You may have to pay for the insurance on the rental car.

Is this important? Yes! In some places you are allowed to opt out of DCPD coverage if you fill out a written request to your provider, saving you some money. We require that you keep this coverage as it would be a significant cost to BAA if we had to cover all the losses resulting from other's errors.