Find out what Accident Benefits, part of your Basic Autoplan, pays for when you are in a crash and who can receive these benefits.
Accident Benefits provides coverage for medical expenses, rehabilitation costs or a loss in earnings for the time you can’t work from a crash. If the worst happens, you and your family will be covered for funeral costs and death benefits.
This coverage is also for:
Payments from other insurance policies may affect your Accident Benefits. Check with your adjuster before you claim.
Autoplan Accident Benefits provide up to $150,000 for each insured person injured. This medical coverage might include dental care, hospital care, ambulance, chiropractic treatments, physiotherapy, occupational therapy, medication, medical supplies or equipment and more.
Check with your adjuster to make sure that your medical care is eligible before you receive treatment.
Also, if you have any existing insurance policies, they could affect the amount of your payout. Remember to mention these policies when you claim.
If you are an employed person who is injured in a crash, Autoplan pays for 75 per cent of your average gross weekly earnings minus the weekly total wage loss payments from all other sources, or a maximum of $300 per week, whichever is less. You must have been employed at the time of the crash (or for six of the last 12 months) and be unable to work after the crash because of a total disability.
If you are a homemaker, you may get up to $145 a week if you are injured in a crash and cannot continue with most of your normal household tasks. This money helps you hire a non-family member to help around the home and applies even if you live alone.
These benefits are available as long as the disability lasts, or until you reach age 65, whichever comes first.
After the first 104 weeks of payment, benefits are reduced by any amounts received from the Canada or Quebec Pension Plans.
Please note: Wage loss benefits are not payable for the first seven days of total disability.
Basic Autoplan gives you Accident Benefits, whatever your age. No benefits are payable beyond 104 weeks if the disabled person:
Speak to your adjuster if you have any questions about the policy.
Accident Benefits entitles you to funeral costs and death benefit payments for you, your spouse and your children. Spouses are:
Please note: Common-law and same-gender partners must have lived together in a marriage-like relationship for at least two continuous years immediately preceding the right to claim.
Payments for death benefits vary if the policy holder was the main wage earner in the home, and if there are any children or dependants.
There are also payments if the deceased is a child. Payments for a child come in a lump sum, whereas payments for adults combine a lump sum and weekly payments for 104 weeks.
As ICBC offers additional coverage for wage loss, you may wish to ask your Autoplan broker about the ICBC Income Replacement Policy or your employer for disability plans.
Employment Insurance and Autoplan Wage Loss Benefits
If you were working but can no longer work because you were in a crash, you may be eligible for Employment Insurance (EI) benefits. The amount you receive will need to be deducted from your Accident Benefits Wage Loss Benefits, but it is important to claim EI to take advantage of both benefits.
EI benefits start two weeks after a crash, so be sure to file your claim as soon as possible.