If you are found to be partially at fault, or fault cannot be determined after a crash, here's what's covered and how your insurance might be affected.
When fault is split, you might share 25%, 50% or 75% of the fault with another driver.
Sometimes it is not possible to say for sure who was at fault for a crash due to:
When fault cannot be determined, adjusters may be required to determine fault at 50-50. That is, both motorists will share equal responsibility for the crash.
If you disagree with a fault assessment, you can ask for a Claims Assessment Review from ICBC or appeal through the courts.
ICBC Accident Benefits are available to almost everybody in B.C. who is injured in a motor vehicle accident - no matter who is at fault.
You're covered if you purchased optional Collision coverage.
It covers damage to your car from impact with another vehicle, person, object or the surface of the road. It also covers the costs of:
Yes, this is the amount you have to pay toward repairs or costs before your insurance kicks in to pay for the rest. However, if the other driver is insured by ICBC, a portion of your deductible may be reimbursed or waived.
Your insurance premium may increase if you are found to be more than 25 percent at fault for a crash unless you have been claim-free for a long time.
Find out more about Claims and your insurance costs or talk to your Autoplan broker to find out if it makes sense for you to repay your claim to protect your premium.
If you choose to repay your claim, it must be done before the annual renewal date of your Autoplan policy. Ask your adjuster if there is an option to repay your claim.
An at-fault driver's insurance could help cover such costs as:
If you are injured, you may claim settlement payments for:
Find out more about settling your claim.
The registered owner of a vehicle is responsible - that is, legally liable - for the vehicle's operation, even if you lend it to someone.
If your vehicle is involved in a crash where fault is shared or split, then the claim record may affect your policy even if someone else was driving your car at the time.