If you were in a crash as a cyclist or pedestrian
Under Enhanced Care, if you are a B.C resident who is injured in a crash with a vehicle anywhere in Canada or the United States – even as a pedestrian or cyclist – you are entitled to receive the care and recovery benefits you need no matter who is responsible.
You're covered even if you don't insure a vehicle with ICBC
This may include income replacement benefits if you’re unable to work and additional benefits in the event of a serious or life-altering injury.
For a detailed look at the care and recovery benefits available, check out Your guide to Enhanced Accident Benefits.
If you’re not responsible for the crash or share some responsibility, you may claim the damage caused to your bike.
If you’ve been in a crash with a vehicle
The information below (and more) is included in our printable wallet card .
At the crash scene
Try to remain calm and check for injuries.
If anyone’s injured, call 911.
If you are able, gather the following information for all vehicles and drivers involved in the crash:
driver name, contact information, driver’s licence number and province/state,
vehicle licence plate number, vehicle year, make and model,
insurance details, including the name of other insurance company if the vehicle isn’t from B.C.
Look for witnesses. Record their names and contact information.
Describe the crash scene:
What was the date, time and location?
What were the weather and road conditions?
What direction were each of you travelling?
Where was your vehicle and what lane were you using?
Where was the other vehicle and what lane was it in?
If possible, take photos of the crash scene and all vehicles involved, including their licence plates and the damage.
Report your claim to ICBC:
Call us to report your claim
We carefully review the details of every crash to determine responsibility. Regardless of fault, as a B.C. resident you are entitled to Enhanced Accident Benefits .
You may find it helpful to review examples of crashes involving drivers, pedestrians and/or cyclists. In each example we explain the relevant rules of the road and which sections of the Motor Vehicle Act apply in determining responsibility.
If your bike or personal property is damaged in a crash and you are not responsible or partially responsible
Cyclists and pedestrians involved in a crash with a vehicle may be able to claim reimbursement for items carried, worn, or used at the time of the crash, including bicycles, scooters, clothing, mobility devices and helmets.
Just as a car owner might require a towing service to transport their vehicle from the scene of a crash, your damaged bike transportation costs may be eligible for reimbursement.
ICBC may cover the cost of alternate transportation if your bike is used for work or is your primary source of transportation. Speak with your claims representative to find out more.
Cyclists, like pedestrians, are vulnerable to significant injuries or death in crashes with cars. There are things that both drivers and cyclists can do to help everyone stay safe.
On average, 2,346 pedestrians are injured, and 53 pedestrians are killed in crashes every year in B.C. The top contributing factors are driver distraction, failing to yield and poor weather conditions. We all need to do our part to keep pedestrians safe.