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  • What if I'm injured?
    • Meet your adjuster
      • What if I'm too injured to go to a claim centre?
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      • The claim centre
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    • Dealing with your vehicle
    • Assessing liability
      • ICBC Third Party Legal Liability Insurance
      • Who decides liability?
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      • Common examples of crash situations
      • What if a private insurance company insured one of the vehicles?
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      • What if I don't agree with the liability decision?
      • Take it to court
      • Should I repair my car right away?
      • Should I repay my claim for vehicle damage
    • Making an injury claim
      • Starting your claim
      • Payments for treatment
      • What's needed for an injury claim?
      • Problematic claims — why some claims require special treatment
      • Travel costs
      • What if I was injured by a hit and run driver?
      • What can I do if I'm not happy with my claim?
    • Therapy and rehabilitation
      • ICBC "No Fault" Accident Benefits
      • Medical and rehabilitation expenses
      • Homemaker benefits
      • Wage loss benefits
      • Injury support
      • Limitations to Accident Benefits
      • Compensatory damages
    • What if I can't work?
      • Is there a deadline to apply for wage loss benefits under ICBC's Accident Benefits coverage?
      • Do I need to provide proof of employment?
      • Do I need to apply for disability payments from Employment Insurance (EI)?
      • What if I receive other disability benefits while I am off work?
      • What if I was injured during the course of my employment?
      • If I can't do housework, does ICBC provide homemaker benefits?
    • Your settlement
      • What does it mean to settle a claim?
      • Does it matter whether someone else caused the crash?
      • Am I entitled to injury benefits or damages?
      • ICBC "No Fault" Accident Benefits
      • Compensatory damages
      • Do I need to sue the other motorist?
      • What happens if I sue another motorist?
      • What does it mean to be "in breach" of my ICBC contract?
      • What if liability for a crash is shared?
      • What if someone else was driving my car?
      • The settlement process
      • When should I finalize my settlement with ICBC?
      • When can I expect payment?
      • Not satisfied with an ICBC settlement offer?
      • Working out the settlement
      • Working out the settlement
      • Working out the settlement
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Making an injury claim

Starting your claim

Your injury claim begins when you meet your adjuster for the first time. After that meeting, your adjuster will work with your doctor and other health care professionals involved in your care.

Your adjuster must check each claim carefully before authorizing payments for treatment or disability. Such careful checking is part of the adjuster's job. So, please don't expect that you will receive payments right away unless you are suffering immediate hardship, as explained here.

It's important to realize that you may be eligible for two kinds of financial compensation after an accident:

• ICBC No Fault Accident Benefits: available to almost everyone injured in a crash, no matter who was assessed liable for the crash.
• Compensatory damages: only available to you if another driver was found either wholly or partly responsible for the crash in which you were injured.

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