Your other insurance and benefit providers
If you have been injured in a crash and have coverage from another provider (for example, extended health care from your employer or individually purchased disability insurance), your other insurance will be the primary payer for most medical expenses and/or wage loss.
ICBC and your other insurance providers
No matter who is responsible, if you've been injured in a crash, you have access to pre-authorized (core) treatments. Whether or not you have other insurance (also known as collateral benefits), health care providers for these treatments can bill ICBC directly.
For all other medical expenses and/or wage loss benefits, you must first submit expenses to your other insurance provider(s) who will provide primary coverage. ICBC may then cover, through Accident Benefits included in your Basic insurance, amounts over and above what is first covered by your other providers. Your claim representative will determine the reasonability and necessity of the benefit based on information provided from your health care providers.
ICBC will not reimburse other providers for payments for wage loss, medical costs, or user fees for treatment, with the exception of WorkSafeBC and Medical Services Plan (MSP).
If your crash is prior to April 1
Talk to your claim representative. Changes to insurance come into effect on April 1, 2019, which may affect your coverage.