If you are not responsible
If you’re not responsible (not at fault) for a crash, your own Basic Vehicle Damage coverage will pay your vehicle repairs, up to $200,000. Your Enhanced Accident Benefits will cover any medical costs or wage loss due to injury.
What your Basic insurance covers
Medical costs
Enhanced Accident Benefits are available to all B.C. residents injured in a crash, no matter who is responsible.
Enhanced Accident Benefits provides 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, registered massage therapy, clinical counselling and kinesiology. Your Enhanced Accident Benefits also cover things like dental care, alternative therapy, and home support after an injury if needed.
Income replacement
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 $105,500 gross annual income.
If you earn more than $105,500 per year, Income Top-Up coverage is available to cover the amount of income replacement provided under Enhanced Accident Benefits.
Damage to your vehicle
If you’re not responsible for a crash, your own Basic Vehicle Damage coverage will cover your repair costs, up to $200,000.
Your claim will not impact your insurance premiums because you weren’t responsible for the crash.
What Optional insurance covers
Hit-and-run claims
If you have Collision coverage, you are covered for vehicle damage caused by a hit and run.
B.C. residents and non-residents who own a B.C. registered vehicle also have the option to purchase
Hit and Run coverage. This coverage is for customers without Collision coverage but who still want protection from vehicle damage caused by a hit and run.
If you do not have Optional Collision or Hit and Run coverage, you’ll be responsible for all vehicle repair costs in a hit-and-run crash.
Talk to your claim representative for details or find out more about
hit-and-run claims.
If you have coverage with another insurer, please contact that company regarding your coverage.
What if the responsible driver isn’t insured by ICBC?
Regardless of whether the responsible driver is insured by ICBC or another insurance provider, you are covered for vehicle damage and medical care and recovery. If you’re not responsible for a crash, your own Basic Vehicle Damage coverage will cover your repair costs and Enhanced Accident Benefits will cover any medical costs or wage loss due to injury.
Crashes outside B.C.
If your crash happened outside B.C., you are still covered for vehicle damage and Enhanced Accident Benefits.
Visitors driving in B.C.
If you're driving in B.C. and you're involved in a crash, the insurance coverage on your own vehicle (or rental) will be required to pay for any vehicle damage, even if the crash wasn't your fault. You cannot make a vehicle damage claim against the responsible driver's insurance. Talk to your insurance broker or car rental provider to make sure you have the coverage you need when driving in B.C.