ICBC

Step-by-Step Guide to Filing a Claim with ICBC

1. Report the Claim

• Online: Log in to the ICBC Claims Portal and complete the online form.
• Phone: Call 604-520-8222 (Lower Mainland) or 1-800-910-4222 (rest of B.C.)
• Required Information:
  • Driver’s licence and vehicle registration.
  • Date, time, and location of the crash.
  • Police file number (if applicable).
  • Photos/videos of the crash scene and damage

2. Assign a Claims Representative

• A representative will gather details, review evidence (e.g., witness statements, photos), and determine fault based on the Motor Vehicle Act

3. Vehicle Damage Assessment

• Estimator Review: An ICBC estimator or accredited repair shop (e.g., Raydar Collision Group) inspects the vehicle and provides a repair cost estimate
• Non-Repairable Vehicles: If repairs are uneconomical, ICBC pays the vehicle’s market value

4. Repairs

• Choose a Shop: You can select any repair facility, but ICBC-accredited shops guarantee repairs for as long as you own the vehicle
• Direct Payment: ICBC pays the repair shop directly. You may need to pay a deductible (e.g., 300–300–750) if you’re at fault

5. Injury Claims (If Applicable)

• Immediate Treatment: Enhanced Care covers pre-approved treatments (e.g., physiotherapy, counselling) for 12 weeks
• Submit Expenses: Upload receipts for out-of-pocket costs (e.g., medications) within 180 days via the portal
• Extended Recovery: If injuries persist beyond 12 weeks, consult your healthcare provider to request extended benefits

6. Finalize the Claim

• Fault Determination: ICBC assigns responsibility (e.g., 25% at fault) based on evidence
• Premium Impact: At-fault claims (≥25% responsibility) may increase insurance costs at renewal

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FAQ: ICBC Claims Process

1. What if I’m involved in a hit and run?

• Vehicle Damage: Covered under Collision or Hit and Run coverage (deductible applies)
• Injuries: Enhanced Accident Benefits cover treatment (no deductible)
• Report Deadline: File within 6 months of the incident

2. How long do I have to report a claim?

• Immediately: For crashes with injuries or significant damage.
• Extended Deadline: Hit and runs must be reported within 6 months

3. Can I dispute ICBC’s fault determination?

Yes. Contact your claims representative or file an appeal through ICBC’s disputes process

4. Does ICBC cover rental cars during repairs?

• Loss of Use Coverage: If included in your policy, ICBC reimburses rental costs up to daily limits

5. What if I was injured while working?

• Primary Coverage: Report to WorkSafeBC first. ICBC covers gaps if WorkSafeBC denies the claim

6. How do deductibles work?

• At-Fault Claims: Pay your chosen deductible (e.g., $300 for Collision).
• Not-at-Fault Claims: Deductible may be waived or reimbursed

7. Are dashcam videos useful for claims?

Yes. Footage can help determine fault but avoid using devices while driving

8. What if my vehicle is stolen?

• Comprehensive Coverage: Required for theft claims. Report to police first, then ICBC

9. How do I track my claim status?

• Log in to the ICBC Claims Portal or contact your claims representative

10. Does ICBC cover cyclists or pedestrians?

Yes. Enhanced Care provides injury benefits regardless of fault

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