Claims
If your recovery takes longer than 12 weeks
Most people recover within 12 weeks after their crash. But if your injuries are taking longer, we’re here to help.
Getting a benefit extension
Enhanced Care covers you for the first 12 weeks after your crash because most injuries heal and recover within that time. But if your injuries need a longer treatment period, you may qualify for a benefit extension.
The first step is to talk to your health care providers. They can determine what additional treatments and support you need to return to your daily activities. Then they can communicate those needs to your ICBC recovery specialist to extend your benefits to cover them. Make sure to complete your medical disclosure authorization form 
to give your health care provider permission to speak to us about your injuries.
For more complex cases, ICBC may require a Comprehensive Medical Assessment (CMA). CMAs are provided by independent teams of a variety of health care professionals. They provide an objective assessment of your injuries and which benefits will best support your recovery.
Benefits for severe, permanent and catastrophic injuries
Collisions can result in devastating, life-altering and permanent injuries. Anyone facing these severe injuries may need ongoing medical and rehabilitation support. We have a dedicated team of advanced recovery specialists available to help our most seriously injured customers get the care and support they need for as long as they need it, even over a lifetime.
If your injury is severe, permanent, or catastrophic, you may be eligible for:
Benefits covering extraordinary expenses for travel, accommodation, and home and vehicle modifications where needed.
Higher coverage for personal care assistance of up to $11,628 per month if you require 24/7 supervision.
A lump sum permanent impairment benefit of $307,461 if you are catastrophically injured.
Customers receiving the maximum permanent impairment and activity of daily living benefits are typically those whose injuries may include quadriplegia (tetraplegia), paraplegia, or severe brain injury. If you suffer a catastrophic injury, one of ICBC’s Advanced Support and Recovery Specialists will work with you and your medical team to help you access all the treatment, care and support available to you.
If your family members have been significantly impacted by the circumstances of your crash and recovery, they may be eligible for counselling covered by Enhanced Accident Benefits. Your recovery specialist can provide more information about what family members and types of counselling services are eligible. This benefit is available for family members of customers with serious or life-changing injuries, for expenses incurred as of May 1, 2025, for crashes that occurred on or after May 1, 2021.
Complete your medical disclosure authorization form
Your health care provider may need to speak with us about your injuries. For example, if your injuries require treatment beyond your pre-approved 12 weeks, your provider can speak with us to get that treatment covered.
But to do that, you need to provide permission for them to disclose your medical information to us. Make sure to complete your medical disclosure authorization form and submit it through the online claims service.
Staying in touch with your recovery specialist
It's important to keep your recovery specialist updated about your injury. Staying in touch helps us manage your claim more smoothly.
We recommend reaching out to your recovery specialist by phone or email every 2 to 3 weeks, even if it’s just to say your recovery is progressing smoothly.
