Claims
Collision claims
If you've been in a crash with another vehicle, experienced a hit and run, or hit an object causing damage to your vehicle, we’re here to help.
If your claim is prior to May 1, 2021
Enhanced Care came into effect on May 1, 2021. If you have questions about a claim that occurred before this date, talk to your claims representative.
Am I covered?
If you purchased ICBC Collision coverage, then all or most of your vehicle's repair costs are covered when you're responsible for a crash. If you're responsible and cause damage to another driver's vehicle, their Basic insurance will pay for the repairs to their vehicle.
What if the crash wasn't my fault?
If your vehicle is damaged in a crash and you're not at fault, your own Basic Vehicle Damage coverage will cover the repairs.
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 been injured 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: A claims representative is assigned to your claim
The claims representative 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 claims representative 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
You can have your vehicle estimated at the repair shop of your choice. If you select a shop that's part of the ICBC Repair Network, the shop can bill ICBC directly, and they provide limited warranties for the repairs to the damage caused by the crash. Find an ICBC Collision Repair Network facility.
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.
If your vehicle isn't repairable
If it's not economical to repair the vehicle, typically you’ll receive a payment based on the vehicle's fair market value. Find out more about what happens if your vehicle isn't repairable.
Step 4: Get your vehicle fixed
You will work with your chosen collision repair facility to schedule the repairs to your vehicle. Find out more about Transportation while your car is being repaired.
Step 5: Pay a deductible (if required)
ICBC pays shops that are part of the ICBC Repair Network directly for the repair work covered by your insurance.
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% responsible for a crash, you'll likely have to pay more for insurance the next time you renew or purchase insurance, unless you have a long, claim-free record. It may also impact any premiums where you are a listed driver. The costs for any Optional insurance you have (Collision, for example) may go up as well. In general, the more crashes you are responsible for, the more you will pay in insurance.
You can prepare an estimate with our online estimation tool. For an accurate estimate of how your premiums may be affected after a crash, you need to be within six weeks of your insurance renewal, which is when you receive your insurance renewal reminder.
Find out more about drivers, experience, and crash history.
