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Payments for injury claims

If you are injured in a crash, you may qualify for

  • ongoing payments covered under Accident Benefits, and/or
  • settlement payments covered under the at-fault motorist's Third Party Liability insurance.

Ongoing payments

Accident Benefits provide ongoing payments to help pay for such expenses as medical treatment and lost wages.

You are entitled to Accident Benefits whether you are

Important: You must apply for Accident Benefits within 90 days of a crash.

Settlement payments

You may receive settlement payments only if the other driver is partly or totally at fault. For more information, please speak to your adjuster.

Examples of ongoing vs. settlement payments

This table shows the sources of payments that may be available to cover costs related to some common injury claims.

Your situation Ongoing payments Settlement payments
You require medical or rehabilitation expenses as the result of a crash. Accident Benefits covers medical and rehabilitation costs up to $150,000. If another motorist is at fault or only partially at fault for the crash, you may be eligible for expenses like medical and rehabilitation expenses, not paid under Accident Benefits.
* This compensation would be paid first from the other party's Third Party Liability coverage,
* Next, from your basic Underinsured Motorist Protection ($1M), and finally from any excess UMP coverage you may have. Find out more about settlement payments.
You are temporarily or permanently unable to work as the result of a crash. Accident Benefits provides disability benefits of up $300 per week based on 75 per cent of your average gross weekly earnings.
Payments continue until the soonest of your disability coming to an end or your 65th birthday. Some exceptions apply.
You are eligible on the eighth day of your disability. You must notify Employment Insurance for benefits too.
It is also possible to purchase an Income Replacement Policy that provides for disability payments in excess of $300 per week. Find out more about Accident Benefits.		 If another motorist is at fault or only partially at fault for the crash, you may be eligible for past and future net wage loss less amounts paid under Accident Benefit.

* This compensation would be paid from other party's Third Party Liability coverage.

Next from your basic Underinsured Motorist Protection ($1 million) and finally from any excess UMP coverage you may have. Find out more about settlement payments.
You are a homemaker and are unable to perform household tasks. Accident Benefits covers up to $145 per week to a non-family member to provide household tasks. This homemaker benefit is payable on the eighth day of your disability. Find out more about Accident Benefits.  
You have incurred other out-of-pocket expenses, such as alternative medical treatments and property damage. Not covered under Accident Benefits. If you were not at fault or only partially at fault, you will be reimbursed for eligible expenses.
* This compensation would be paid from other party's Third Party Liability coverage. Find out more about settlement payments.
You experience pain and suffering or loss of enjoyment of life as the result of a crash. Not covered under Accident Benefits. If you are not at fault or only partially at fault, you may be eligible for compensation up to the Supreme Court of Canada limit of about $260,000 (in 2001 dollars).
* Next, from your basic Underinsured Motorist Protection ($1M), and finally from any excess UMP coverage you may have. Find out more about settlement payments.
* This compensation would be paid from other party's Third Party Liability coverage. Find out more about settlement payments.


*Some exceptions may apply if the crash occurred outside B.C. or with an out-of-province motorist.

What about my vehicle?

Am I covered for my vehicle? Find out about scenarios for vehicle damage.

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