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Employment Insurance and Autoplan Wage Loss Benefits

Employed persons disabled in a motor vehicle crash may be eligible for up to 15 weeks of Employment Insurance (EI) sickness benefits.

Anyone claiming Autoplan wage loss benefits should apply for EI benefits immediately. EI has a 2-week waiting period before benefits begin. If you are disabled, ICBC benefits kick in on the eighth day, and will cover you for the second week of the EI waiting period.

Once EI benefits begin, the amount you get from EI will be deducted from any Autoplan benefits covering the same period.

What Basic covers

Third Party Liability coverage | Accident Benefits | Underinsured Motorist Protection | Hit-and-Run and Uninsured Motorists coverage | Inverse Liability coverage

Accident Benefits

Autoplan Accident Benefits help you with your medical expenses, rehabilitation costs and wage loss if you are injured in a crash, or funeral costs and death benefits in case of death. It doesn't matter who was at fault for the crash.

Who is covered?

Accident Benefits cover:

Everyone injured in a crash who is riding in a vehicle that is licensed and insured in B.C.

A pedestrian or cyclist who is injured in a crash involving a moving motor vehicle if that person or a member of their household [ definition ] is insured through Autoplan

Any cyclist or pedestrian hit and injured in Canada by a vehicle that is licensed and insured in B.C.

What is covered?

What is not covered under Accident Benefits?

There are some situations where Accident Benefits may not be provided, such as a person:

Who commits or tries to commit suicide
Who is riding in a vehicle exempt from Autoplan coverage
Whose injury or death is caused by sickness or disease
Whose injury or death happens because of trying to avoid police action
Whose injury or death results from participation in a race or speed test
Who is riding in a vehicle involved in illicit trade or transport
Who is driving when not authorized or qualified to operate the vehicle

Out-of-province claims

Accident Benefit claims that occur out-of-province may be subject to the laws of that jurisdiction. If you are injured in a motor vehicle accident outside B.C., please discuss accident benefit entitlements with your ICBC adjuster.

IMPORTANT: Section 103 of the Insurance (Vehicle) Regulation sets time limits (as well as other conditions) for taking legal action to support Accident Benefit claims. In some cases, the date to start an action may be extended, but written notice is required.
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