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Are you covered?

Our knowledgeable claim staff will take time to guide you through each step of the claim process. This handy table provides an overview of the most common types of coverage you can claim.

Here you’ll learn about the following topics:

Are you injured? — Please also visit our injury payments page.

Common crash-related claims

Find the most common crash-related claims scenarios in the table below.

What happened ICBC Coverage What else you may need to know
The other driver has car damage and/or injury in a crash.

You are at fault » 		You are covered by your Basic Third Party Liability coverage for the first $200,000 in damages. 

If you purchased Extended Third Party liability, it will cover you beyond Basic up to the amount of the policy.		 Your insurance may be affected. Talk to your adjuster and Autoplan Broker.
Your car was damaged in a crash, and you are injured in a crash.

You are at fault »
 If you purchased Collision Coverage, you are covered for the repair or replacement of your car. 

Your Accident Benefits cover medical and rehabilitation costs, disability benefits, and some death benefits.		 Collision deductible applies.

Your rates may increase if you make a claim for your own damage collision.
Your car is damaged in a crash, and/or you are injured.

You are not at fault » 		You are covered first by any Third party liability coverage held by the other party. 

Your basic Autoplan Underinsured Motorist Protection (UMP) next covers you up to $1 million.

Finally, if you purchased Excess UMP coverage, you are covered additionally up to the amount of the policy. 

Your Accident Benefits cover medical and rehabilitation costs, disability benefits, and some death benefits.

If you are injured, visit our injury claims page.		 Some exceptions apply if the crash occurred outside B.C. or if the other party was from out of province.

Common non-crash related claims

Find the most common non-crash related claims scenarios in the table below.

What happened ICBC Coverage What else you may need to know
Car glass/windshield damage If you purchased a Comprehensive policy, you are covered. No coverage under Specified Perils. Deductible applies.
Car has been vandalized If you purchased a Comprehensive policy, you are covered. No coverage under Specified Perils. Deductible applies.
Car fire damage If you purchased a Comprehensive or Specified Perils policy, you are covered. Deductible applies.
Car equipment theft from your car, motor home or custom vehicle If you purchased a Comprehensive or Specified Perils policy, you may be covered if the item(s) comply with the appropriate list (check the wording of your policy):

Rate-class vehicles,

Motor homes and

Declared Value Vehicles.		 Deductible applies.
Your car was stolen If you have purchased a Comprehensive or Specified Perils policy, you are covered.

Maximum loss of use is $40 per day up to a total limit of $800. Coverage for alternate transportation expenses start 72 hours after the theft has been reported to the police, unless you have Loss of use, RoadStar or RoadStarPlus.		 Deductible applies. The deductible is waived if you also purchased RoadsidePlus.
Your portable MP3 player and digital camera were stolen from your car Personal effects are not insured. You may be covered by your homeowner’s or tenant’s insurance policy.

What's a breach?

ICBC provides coverage for most claims, except under very specific circumstances when you are in breach. Breach only occurs when you or your driver 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. Find out more about breaches.

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