​In May 2021, ICBC and the Government of B.C. launched Enhanced Care, a new way of doing auto insurance in our province. Key changes under Enhanced Care included:

• More affordable insurance for customers
• Supporting you in accessing improved care and recovery benefits if you’re injured in a crash, for as long as you need them, no matter who is responsible
• Benefits for B.C. drivers, passengers, cyclists and pedestrians who are injured in a crash with a vehicle anywhere in Canada or the U.S.
• Income replacement benefits (90% of your net income)​ if you're unable to work, with optional income top-up coverage if you earn more than $105,500 per year​
  
• Access to new and expanded benefits to anyone with a permanent or life-altering injury due to a crash ​​​​

For more information on Enhanced Care, you can read Your Guide to Enhanced Care.

​Within the first year of Enhanced Care, full coverage customers saved 28% on average, or about $490 per policy. Savings depend on individual factors including:

• Whether you purchased basic insurance only, or basic and optional third-party liability insurance from ICBC
• How much optional third party liability coverage you purchased
• If you had any at-fault crashes since you last renewed
• The driving experience of you and your listed drivers – including crash history and driving convictions​
• Where you li​ve, the type of vehicle you drive and where and how you use your vehicle

You can prepare an estimate online. You'll need a current Autoplan policy and the BC Services Card app installed on your mobile device.​

In some cases, yes. For example, if you’re injured in a crash and the at-fault driver is convicted of certain Criminal Code offences, such as impaired driving, you can still sue the other party in a civil claim for certain damages.​​

You may be able to sue some other parties, such as vehicle manufacturers, if their actions have contributed to the crash.

If your crash happened on or before April 30, 2021, your claim is not covered by Enhanced Care and will still be handled under the old system. If you have questions about your claim, talk to your claim representative.​

​Here's a side-by-side comparison of the former insurance system and Enhanced Care:

​Yes. Non-drivers like cyclists and pedestrians don’t need to purchase ICBC insurance to be eligible to receive care and recovery benefits if they're injured in a crash with a vehicle.​

Under Enhanced Care, cyclists and pedestrians have access to the same full range of care and recovery benefits as drivers, including income replacement benefits if they’re unable to work, and additional benefits in the event of a serious or life-altering injury.

As long as you’re not responsible for the crash, you can claim the damages caused to your bike from the responsible driver.

​No matter who is responsible, if you've been injured in a crash, you have access to early access treatments​. Whether you have other insurance or not, health care providers for these treatments can bill ICBC directly.

For all other medical expenses and/or income replacement benefits, you must first submit expenses to your other insurance provider(s) who will provide primary coverage. ICBC may then cover, through Enhanced ​Accident Benefits, amounts over and above what is first covered by your other providers. Your claims representative will confirm the availability of the benefit based on information provided from your health care providers.