If you are at fault
If you're at fault for a crash, you could be entitled to medical and rehabilitation expenses under Accident Benefits. Your basic Third Party Liability provides coverage for damages to another motorist. Collision coverage (if you have it) pays for your vehicle repairs.
Accident Benefits are available to almost everybody in British Columbia who is injured in a motor vehicle crash—no matter who is at fault.
Damage to your vehicle
If you purchased Collision coverage, it will pay for damage to your vehicle even if you are at fault. It also covers the costs of towing, storage, and salvage disposal. (You will have to pay a Collision deductible—the amount you have to pay toward repairs or costs before your insurance pays for the rest.)
If you don't have Collision coverage, you're not covered for these costs if you are found at fault for a crash.
If you are responsible for a crash, your basic Autoplan premium may go up unless you have a long, claim-free record. The premium for any Optional insurance you have (Collision, for example) may go up as well.
How a claim affects the cost of your insurance »
Motorists who are at fault for three crashes in three years may have to pay a multiple-crash premium.
Protecting your premium
You may be in a crash that doesn't involve injuries or costly vehicle damage. If you are at fault, it might make financial sense to repay the cost of your claim to ICBC.
The registered owner of a vehicle is responsible—legally liable—for the vehicle's operation. If your vehicle is involved in an at-fault crash, even if someone else was driving your car at the time, the claim record may affect your policy.
In some circumstances, the record of an at-fault claim may affect a new policy taken out by the person who was driving at the time of the crash.