Find a Service Location

Steps of an injury claim

When you've been in a crash, you want to know that you'll be taken care of. Find out what to expect with an injury claim.



Am I covered?

Your ICBC Basic insurance pays for medical costs and wage-loss assistance to anyone injured in a motor vehicle crash, no matter who is responsible (at fault).

If you have access to other insurance (for example, extended health care from your employer) or if your employer provides wage loss benefits, please see other providers for more information on next steps.

Steps of your claim

Here's what to expect when you make your claim.

Step 1: Report your claim online or by phone

Being in a crash can leave you feeling shaken up. When you feel ready, report your injury claim online or by phone.

Step 2: Tell us what happened

Our adjusters are here to answer your questions and guide you through your claim from start to finish. The first step is to speak with an adjuster so they can understand what happened at the crash.

Step 3: Get the treatment you need

Your healthcare professionals will work with you to put in place a plan for your recovery. We'll be here to support you with easy access to the treatment you'll need to get better.

Treatment and recovery

Step 4: Get your vehicle fixed

When you call to report your claim, we'll let you know whether you can go directly to an auto body shop for your estimate and repairs, or if you'll need to first come in to a claim centre. Either way, you can get your repairs done at the auto body shop of your choice.

Step 5: Settle your claim

If another driver is at least partly responsible for the crash, you may qualify for financial compensation, also known as a claim settlement. Your adjuster will explain how this works and what to expect in your circumstances.

Find out more about Settling an injury claim.