If you are responsible for a crash
Even if you're found 100 per cent responsible (at fault) for a crash, any vehicle repairs owed to the other party involved in the crash will be paid for by their Basic Vehicle Damage coverage, up to $200,000. Collision coverage, if you have it, pays for your vehicle repairs. Your ICBC Basic insurance will pay for your medical and rehabiliation expenses.
What your Basic insurance covers
Under Enhanced Care, Enhanced Accident Benefits are available to anybody in B.C. who is injured in a motor vehicle crash, no matter who is responsible.
Enhanced Accident Benefits provide access to all the medical care and recovery you need if injured in a crash, with no overall limit to the coverage available. Treatments can include physiotherapy, chiropractic care, occupational therapy, registered massage therapy, clinical counselling, psychological services, kinesiology and acupuncture. Enhanced Accident Benefits also cover things like dental care, alternative therapy, and home support after an injury if needed.
If you’re unable to work due to an injury from a crash, you’ll receive 90 per cent of your net income in wage loss benefits, up to a maximum of $100,000 gross annual income.
If you earn more than $100,000 per year,
Income Top-Up coverage is available to cover the amount of income replacement provided from the Enhanced Care benefit.
Third Party Liability
While your financial risk for an at-fault crash is reduced with Enhanced Care, Third Party Liability coverage will still be important in certain circumstances. Third Party Liability provides coverage up to $200,000 for the following situations:
- Non-vehicle property damage
- Injury costs and vehicle damage sustained by the other driver(s) and/or passengers while driving outside of B.C.
- Damage to the contents inside of the other driver’s vehicle
It also protects you in jurisdictions where the law permits the other driver to sue.
What your Optional insurance covers
You may be covered for the following
if you purchased Optional insurance coverage:
Damage to your vehicle
If you have Collision coverage, it will pay for damage to your vehicle even if you are 100 per cent responsible for the crash. It also covers the costs of towing, storage and salvage disposal.
You will have to pay a deductible - the amount you have to pay toward repairs before your insurance pays for the rest.
If you don't have Collision coverage, from ICBC or another insurance provider, you're not covered for these costs if you’re found responsible for a crash. You will need to pay 100 per cent of the vehicle repairs.
Damages owed beyond $200,000 (if you have Extended Third Party Liability coverage)
If you have Extended Third Party Liability coverage, this will pay for damages owed to another party that exceed $200,000, up to the limit you purchased.
Talk to your Autoplan broker about how much Extended Third Party Liability coverage is right for you.
How your insurance is affected
If you are responsible for a crash, your Basic insurance premiums will likely go up. The costs for any Optional insurance you have (Collision, for example) may go up as well. In general, the more crashes you are responsible for, the more you will pay in insurance.
Talk to your Autoplan broker for more information.
Repaying a claim
You may be in a crash that doesn't involve injuries or costly vehicle damage. It might make financial sense to repay the cost of damages to ICBC so it won't affect your future premium. For more information on what options are right for you, please contact your Autoplan broker.
Claim Centres will not accept claim repayments. To make a claim repayment, you can visit your ICBC Autoplan broker or call Insurance Customer Service at 604-661-2800 or 1-800-663-3051.
What if someone else was driving my car?
As part of a number of changes to how we determine insurance premiums, a crash affects the driver’s record, not yours.
Disagree with the responsibility assessment?
If you disagree with your responsibility assessment, you can
file a dispute.