Hit and run claims
Find out your coverage for hit and runs and how to make a hit and run claim. Learn what to do if you witness one, or if it happened outside B.C.
What is a hit and run?
A hit and run is when an unidentified driver damages your vehicle or injures you, but leaves the scene of the collision. Some examples are:
- Another vehicle collides with yours, but the other driver leaves the scene before you can get their name, driver’s licence number, and vehicle’s licence plate number.
- You return to your vehicle after leaving it unattended in a parking lot and see it has been damaged by another vehicle, but no one has left a note with their plate information and/or contact information.
- A driver hits you while you are walking as a pedestrian or on your bike as a cyclist, and doesn’t stop.
How am I covered?
All B.C. residents are covered up to $200,000 in the event of injury, death, or property damage caused by a hit and run in B.C. If there are multiple claimants involved, the $200,000 would be split.
Medical benefits apply in situations where you’re not fully covered by any other compensation, and may include the following:
- payment of medical and hospital bills
- rehabilitation and medical care
- a weekly disability payment
- death benefits and funeral expenses
Coverage for property damage applies when the hit-and-run motorist is responsible.
We don’t provide hit and run coverage for damage that occurs to your vehicle outside of B.C. unless you’ve purchased our collision coverage. Depending on your collision deductible, you may make a claim with ICBC for your vehicle damage.
Non-B.C. resident coverage
Non-B.C. residents are also covered, but may have different limits depending on where they live.
What do I pay?
You will have to pay a $750 deductible for hit-and-run damage to your vehicle or property, or your ICBC collision deductible, whichever is less.
There is no deductible on ICBC coverage for injuries suffered in a hit and run. Your insurance premium will not be affected by a hit and run claim.
If your collision coverage is with another insurer, please contact that company regarding your coverage and its deductible requirements.
Steps to making a hit and run claim
Step 1. Try to identify the other vehicle and the person responsible
Call the police immediately if you notice the hit and run motorist leaving the scene, and provide the description of the vehicle and the driver, the plate number, and the direction the vehicle is travelling, if you can.
Step 2. File a police report if necessary
If there’s a suspect, or if you were injured in the hit and run, we will need a police report. Try to make the report within 24 hours.
Step 3. Report your claim
Report your claim to ICBC as soon as you can, and no later than six months after the incident, to ensure we can process your claim.
If you have collision coverage through another insurer, also call that company’s claim-reporting line.
Step 4: Get the treatment you need
If you have injuries, learn more about the treatment and recovery process.
Step 5. Meet with us at a claim centre or a c.a.r. shop VALET facility
An ICBC estimator or VALET shop representative will need to examine your vehicle damage with you. Your adjuster will tell you if you can go directly to a c.a.r. shop VALET facility for a vehicle estimate and repairs, or if you need to meet with our staff at a claim centre.
Do not try to repair or clean the damaged area to your vehicle prior to your appointment.
You may also need to make a statement or submit a sworn affidavit.
Step 6. Get your vehicle fixed
Once the damage estimate has been approved by ICBC, you can have your vehicle repaired at the repair facility of your choice.