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Steps of your claim

We're committed to making your claims experience hassle free.

Collision

If you've been in a crash, we're here to help.

Am I covered?

If you purchased Collision coverage (or the other driver is wholly or partially at fault), then all or most or your repair costs are covered.

Here’s what to expect when you make your claim:

Step 1
 

Call Dial-a-Claim or make your report online 

Step 2
 

Tell us what happened

Step 3
 

Get an estimate of the damage  

Step 4
 

Get your vehicle fixed

Step 5
 

Pay a deductible (if required)

Will I have to pay more for insurance?

If you’re more than 25 percent at fault, you will likely have to pay more for insurance unless you have a long, claim-free record. The premium on your Optional insurance may go up, too.

How a crash affects the cost of your insurance »

Injury

When you've been in a crash, you want to know that you'll be taken care of. We're here for you now.

Am I covered?

Your Autoplan Basic insurance provides you with medical benefits and wage-loss assistance when injured.

Step 1
 

Call Dial-a-Claim or make your report online 

Step 2
 

Tell us what happened

 
Step 3
 

Get the treatment you need

 
Step 4
 

Get your vehicle fixed

Glass and windshield

Had a break-in? Hit a rock in the road? We'll help you replace your windshield or window quickly and easily.

Am I covered?

If you have Autoplan Comprehensive coverage, you can usually go directly to a Glass Express shop to get a window or windshield replaced.

Replacing one piece of glass with no other damage

Go directly to a Glass Express shop

If you just have one piece of glass, such as your windshield or a window to replace, you can go directly to an ICBC-approved Glass Express shop.

If there are no Glass Express shops in your area, call Dial-a-Claim first.

All other glass claims

Call Dial-a-Claim first

If your vehicle has undergone more extensive damage, you'll need to file a claim before you get your vehicle repaired.

Call Dial-a-Claim if:

  • more than one piece of auto glass is damaged
  • any paint or other part of your vehicle besides the windshield or a side/rear window is damaged
  • your vehicle is more than 20 years old
  • you have a Temporary Operation Permit or a Vehicle in Storage policy.

After calling in your claim, you may need to go to a claim centre for a damage estimate before taking your vehicle to a glass repair shop.

Windshield repairs

Sometimes a windshield can be safely repaired instead of replaced.

Comprehensive insurance doesn’t cover the cost of repairing a damaged windshield. However, it usually costs less to repair a windshield than to pay a deductible.

How your deductible works

The deductible is the amount you have to pay towards repairs before your insurance covers the remaining costs. For a front windshield damaged by flying objects such as rocks or gravel, your deductible is $200 (if you bought Autoplan Comprehensive coverage with the minimum $300 deductible).

For all other causes of damage to any of your windows, you’d pay whatever Comprehensive coverage deductible you purchased.

You pay your Comprehensive deductible to the repair shop.

For more information

Please call a Glass Express shop or contact us.

Auto theft

Having a car stolen can be an anxious ordeal. By knowing what to expect after making your claim, we hope you get through the experience with less stress and worry.

Am I covered?

You are covered if you bought Optional Comprehensive or Specified Perils insurance and your claim is accepted.

Here's what to expect when you make your claim:

Step 1
 

Report to your local police

Step 2
 

Call Dial-a-Claim or report the claim online

Step 3
 

Arrange for alternate transportation

Step 4
 

Speak with an adjuster

Step 5
 

If your vehicle is not found

Step 6
 

If your vehicle is found

Step 7
 

ICBC estimates the damage

Step 8
 

Shop repairs your vehicle

Step 9
 

You pay a deductible (if required)

Auto equipment theft

Had your stereo stolen from your vehicle? Snow tires? Here's what to do.

Am I covered?

If you purchased ICBC Comprehensive, or Specified Perils insurance, you have coverage for your vehicle's permanently attached equipment.

If the equipment is not permanently attached, you may not be covered.

What's permanently attached equipment?

In a basic sense, something permanently attached is generally something that's fixed to your vehicle. Common examples are: a stereo, speakers or snow tires.

If you have any questions as to whether your item(s) qualify, please call us.

Here's what to expect when you make your claim:

Step 1

Report to your local police

Step 2
 

Call Dial-a-Claim or report the claim online 

Step 3
 

Provide proof of theft

Step 4
 

Get an estimate of damage

Step 5
 

Speak with your adjuster

Step 6
 

Get your vehicle fixed

Step 7
 

You pay your deductible

Step 8
 

If your equipment is found

Vandalism

Has someone scratched your car with a key or slashed your tires? We'll help you get rid of those key-scratches, dents or graffiti.

Am I covered?

If you purchased ICBC Comprehensive insurance, you are covered for vandalism claims.

Here’s what to expect when you make your claim:

Step 1
 

Report to the local police 

Step 2
 

Call Dial-a-Claim or report the claim online

Step 3
 

Get an estimate of the damage

Step 4
 

Speak with your adjuster

Step 5
 

You pay your Comprehensive deductible

Fire

If your car has been damaged by fire, here's what to do.

Am I covered?

A fire damage claim is covered under Comprehensive or Specified Perils insurance. A deductible applies, and you may also have police and fire reports of the incident.

Here's what to expect when you make your claim:

Step 1

Get police and fire reports

Step 2
 

Call Dial-a-Claim or report the claim online 

Step 3
 

Speak with the adjuster

Step 4
 

Get an estimate of the damage

Step 5
 

Pay your deductible

Dail a Claim

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