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Report-a-claim in the Lower Mainland by calling 604-520-8222 or 1-800-910-4222 for the rest of B.C.

Assessing liability

ICBC is committed to an open and fair claims process. Look for the FairClaim logo, signalling useful information and links to independent resources to help you understand the claims process and assess your claim.

ICBC Third Party Liability Insurance

When you buy ICBC basic insurance your package includes ICBC Third Party Liability insurance with a limit of $200,000. Higher limits may be purchased at your option.

If you injure someone else or damage their property in a motor vehicle crash and are held legally liable — or responsible — for the crash, your Third Party Liability coverage pays their claims on your behalf, up to the specified limit of your insurance. Similarly, if another motorist is found liable for the crash, his or her Third Party Liability coverage will pay for your compensable claim [click for definition] — up to the specified limit of their insurance.

Liability for a crash is not always a simple matter of finding one motorist 100% responsible. You might be found 25% liable for a crash while another motorist is found 75% liable. Or you might be found 75% liable while another driver is found 25% liable. It all depends on the individual and unique circumstances of your particular crash. See some common examples of crash situations showing how liability is usually assessed in each case. FairClaim

There are three parties involved in liability insurance. The first party is the insured, the second party is the insurance company and the third party is any person who may have a legal claim against the first party. In a multiple vehicle crash, there can be any number of "third parties" involved.