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Report-a-claim in the Lower Mainland by calling 604-520-8222 or 1-800-910-4222 for the rest of B.C.

Your settlement

What does it mean to be "in breach" of my ICBC policy?

It means that you — or the person you let drive your vehicle - did not follow the terms of your ICBC insurance policy. For example, if you were driving while impaired by alcohol you would be "in breach" of your insurance policy - and no longer entitled to the benefit of ICBC Third Party Liability coverage. (ICBC may provide assistance to someone you injured while in breach of your insurance policy, but would usually seek to recover those costs directly from you.)

If you are found to be in breach of your policy, you should discuss your situation with your adjuster. Here's how to find more information on why ICBC sometimes denies a claim.

What if fault for a crash is shared?

Sometimes, both motorists involved in a crash are found partly at fault. However, even if you were partly at fault for the crash, you may still claim for part of your losses.

What if someone else was driving my car?

If you own a vehicle licenced in B.C., you are responsible for damage caused by that vehicle. Usually, your ICBC Third Party Liability insurance pays for the damage on your behalf, up to the limit of your insurance. This applies whether you were driving or if someone else was driving your vehicle with your permission.