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Last updated Tuesday, Oct 04, 2022 11:25 AM

Claims

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​​​​​​​​Collision claims

If you've been in a crash with another vehicle, experienced a hit and run, or hit an object causing damage to your vehicle, we’re here to help.​​

If your claim is prior to May 1, 2021

Enhanced Care came into effect on May 1, 2021. If you have questions about a claim that occurred before this date, talk to your claims representative.

Am I covered?

When you report a claim, your claims representative will confirm your coverage and next steps, either on the phone or in writing. If you're responsible for a crash and you have confirmed Collision coverage, then all or most of your vehicle's repair costs are covered. If you're responsible and cause damage to another driver's vehicle, their Basic insurance will pay for the repairs to their vehicle.

Note: Some claims may take longer for coverage to be confirmed. Please keep your receipts to be reimbursed for any out-of pocket claim costs later.

What if the crash wasn't my fault?

If your vehicle is damaged in a crash and you're not at fault, your own Basic Vehicle Damage coverage will cover the repairs.

Steps of your collision claim

Here's what to do and what you can expect when you make a collision claim.

Step 1: Report your claim online or by phone

You can report your collision claim online or by phone.

If you’ve been injured during your collision, you will be asked for details when you report your claim. Find out more about injury claims.

If you have a police file number, please have it ready when you report your claim.

Step 2: A claims representative is assigned to your claim

The claims representative gathers as much information as possible about the crash and reviews the claim details, considering the rules of the road as outlined in the Motor Vehicle Act. They may consult other resources and/or use investigation tools.

The claims representative will also determine responsibility (also called fault or liability) for the crash and keep you updated on the claim.

Step 3: Get an estimate of the damage

An estimator examines the damage to your vehicle, then writes up an estimate of the repairs needed and their cost. Find out more about getting a damage estimate.

Write-offs

If it is not economical to repair the vehicle, it may be deemed a write-off. You’ll receive a settlement amount for the vehicle’s market value. Find out more about write-offs.

Step 4: Get your vehicle fixed

You can have your vehicle fixed at the repair shop of your choice.

We recommend using an ICBC-accredited facility as your repairs will be guaranteed for as long as you own your vehicle. Find an ICBC Collision Repair Network facility.

Step 5: Pay a deductible (if required)

ICBC pays most shops directly for the estimated repair work.

When the repairs are done, you may have to pay a deductible to the shop. A deductible is the amount you have to pay towards repairs before your insurance covers the rest.

You may have to pay depreciation on some parts and/or labour that are subject to wear and tear. Talk to your estimator for details.

Will I have to pay more for insurance?

If you're more than 25 per cent responsible for a crash, you will likely have to pay more for insurance the next time you renew or purchase insurance, unless you have a long, claim-free record. It may also impact any premiums where you are a listed driver. The costs for any Optional insurance you have (Collision, for example) may go up as well. In general, the more crashes you are responsible for, the more you will pay in insurance.

You can prepare an estimate with our online estimation tool​. For an accurate estimate of how your premiums may be affected after a crash, you need to be within six weeks of your insurance renewal, which is when you receive your insurance renewal reminder. For general information about impacts to your premiums, you can talk to an Autoplan broker.

Find out more about drivers, experience, and crash history.

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