Who's at fault?

In many cases after a crash, ICBC must investigate and determine who is at fault.

You'll either be found at fault, not at fault or partly at fault.

The assessment of fault could affect:

your future premiums
the money you can claim from another motorist's insurance policy
whether you are responsible for damages to others
and more

Note: The courts have the final say about who is liable (at fault) for a motor vehicle accident. ICBC will assess fault in your case based on our knowledge of how courts have decided fault in the past in cases similar to yours.

No matter who's at fault, your Autoplan coverage will provide certain benefits. To qualify, however, you must hold valid insurance.

Print Who's at fault?(PDF brochure)

How fault fits into the claims process

After a customer makes a claim, ICBC gathers as much information as possible to evaluate the extent of the loss, assess fault and offer a fair settlement.

Here are the main steps of a typical claim investigation:

Claim investigation process

		How to make a claim Kinds of claims
Customer in crash, reports claim to ICBC

		How ICBC determines fault
ICBC adjuster opens claims file, starts investigation

		What about my vehicle?
ICBC estimator evaluates vehicle damage		Other driver is 100% at fault You're 100% at fault Drivers share fault - 75/25, 50/50, 25/75 Fault can't be determined so split 50-50 between drivers


Adjuster determines who's at fault

		If you disagree
Adjuster evaluates losses and settles claim

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Who's at fault?

How fault fits into the claims process

Claim investigation process

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