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Last updated Wednesday, Oct 31, 2018 04:39 PM

Claims

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​Collision claims

If you've been in a crash with another vehicle, suffered a hit and run, or hit an object and suffered damage to your vehicle, we’re here to help.

Am I covered?

If you purchased ICBC Collision coverage, or the other driver is wholly or partially at fault, then all or most or your vehicle’s repair costs are covered.

Damage to another driver’s vehicle is not covered by your ICBC Collision coverage. Your liability coverage would pay for these costs, if you caused the damage. 

Steps of your collision claim

Here's what to do and what you can expect when you make a collision claim.

Step 1: Report your claim online or by phone

You can report your collision claim online or by phone.

If you’ve suffered an injury during your collision, you will be asked for details when you report your claim. Find out more about Injury claims.

If you have a police file number, please have it ready when you report your claim.

Step 2: An adjuster is assigned to your claim

The adjuster gathers as much information as possible about the crash and reviews the claim details, considering the rules of the road as outlined in the Motor Vehicle Act. They may consult other resources and/or use investigation tools.

The adjuster will also determine responsibility (also called fault or liability) for the crash and keep you updated on the claim.

Step 3: Get an estimate of the damage

An estimator examines the damage to your vehicle, then writes up an estimate of the repairs needed and their cost. Find out more about Getting a damage estimate.

The estimator’s findings may also help the adjuster assess responsibility for the crash.

Write-offs

If it is not economical to repair the vehicle, it may be deemed a write-off. You’ll receive a settlement amount for the vehicle’s market value. Find out more about Write-offs.

Step 4: Get your vehicle fixed

You can have your vehicle fixed at the repair shop of your choice.

We recommend using an ICBC-accredited facility as your repairs will be guaranteed for as long as you own your vehicle. Find an ICBC-accredited repair shop.

Step 5: Pay a deductible (if required)

ICBC pays most shops directly for the estimated repair work.

When the repairs are done, you may have to pay a deductible to the shop. A deductible is the amount you have to pay towards repairs before your insurance covers the rest.

You may have to pay depreciation on some parts and/or labour that are subject to wear and tear. Talk to your estimator for details.

Will I have to pay more for insurance?

If you're more than 25 per cent responsible for a crash, you will likely have to pay more for insurance unless you have a long, claim-free record. The premium on your Optional insurance may go up, too.

Find out more about Claims and your insurance costs.