JavaScript Is Not Enabled!
Learn how to enable JavaScript in your browser.

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

Your settlement

Does it matter whether someone else caused the crash?

Yes. For example, if you were assessed 100% liable [definition] for the crash in which you were injured, you are only entitled to claim for ICBC Accident Benefits, but not compensatory damages.

Here's a fictional example of how settlements vary depending upon whether or not a driver is found to be at fault in a crash. And here's another fictional example demonstrating how individual circumstances can affect the size of an ICBC settlement.

Am I entitled to injury benefits or damages?

If you are injured in a crash you may receive ICBC Accident Benefits or compensatory damages — or both — depending on how the crash happened. What you receive from each may be quite different.

It's also important to realize that you are not supposed to recover benefits twice. For example, if your Accident Benefits include money to replace lost wages, and then you are later awarded wage loss payments in compensatory damages, the wage loss benefits you received under Accident Benefits will be deducted from your compensatory damages.

NOTE: When there is no ICBC insurance in place, or in the case of some breaches of the ICBC insurance policy, ICBC may deny a claim.

ICBC "No Fault" Accident Benefits

ICBC Accident Benefits are available to almost everyone in B.C. If the crash involved a B.C.-registered vehicle or if you live in a household that has an ICBC-insured vehicle, you most likely have ICBC Accident Benefits coverage, no matter who caused the crash. You are entitled to receive these benefits whether you were a driver, passenger, pedestrian or cyclist injured in a crash. These benefits pay for up to $300 a week to replace lost income. In addition, they also pay for medical and rehabilitation services, specialized aids, vocational training and other costs associated with your injury.