What is the purpose of banning most lawsuits for bodily injury and vehicle damage?

Prior to Enhanced Care, B.C.'s auto insurance system involved high legal costs which directly impacted the insurance rates you paid. Under Enhanced Care, in most situations you are not be able to sue the driver responsible for a crash. However, you don't need to, because Enhanced Care coverage offers care, recovery and wage-loss benefits for as long as you need them – even if that's for a lifetime.

By largely removing the legal costs out of B.C.'s auto insurance system, we are able to pass these savings on to customers. If you have ICBC full Basic and Optional coverage, you will see an average of 20% reduction in insurance premiums. While there are more factors involved with commercial fleet and non-fleet insurance, if your fleet operates exclusively in B.C. and on-highway, your business should see these savings. 

Do the limitations on lawsuits for bodily injury and vehicle damage mean no one can take legal action when involved in a vehicle crash?

No, there are some circumstances where Third Party Liability is still required, such as:

• You damage someone else's vehicle while driving outside of B.C.
• You cause injury to someone while driving outside of B.C.
• You damage property, other than a vehicle, while driving (for example, you hit a building, a fence, or a cyclist's bike)
• You damage the contents inside another driver's vehicle
• Downtime and environmental clean-up is required

In these​ scenarios your Third Party Liability will respond.

Additionally you can still or be sued in civil cases where ICBC does not get involved, some examples of these are:

• Drivers who are responsible and have been convicted of criminal code convictions
• Certain damage if a drivers actions may have contributed to the crash, such as a pub owner or vehicle manufacturer

These are some examples of when you can still sue or be sued. For more information on when the limitation on lawsuits applies or not, please refer to Section 116 of the Insurance (Vehicle) Act and part 3 of Enhanced Accident Benefits Regulations:

Insurance (Vehicle Act)

Enhanced Accident Benefits Regulation

As a Garage Service Operator can I still be sued with respect to my business activities?

As was the case prior to Enhanced Care, Third Party Liability on the Garage Vehicle Certificates (APV4) does not provide coverage for a Garage Service Operator when they are sued for damages respecting their business activities and roles as a Garage Service Operator. This is not a change, the APV4 has never provided coverage in this scenario.

Is there a formal appeals process if I disagree with ICBC's decision?

There are independent options to help customers resolve disputes and some situations where taking legal action against a dangerous driver or negligent party is possible. Government has also taken steps to ensure British Columbians are treated fairly when they have a claim with ICBC.

Please refer to the following page for the appeal/dispute process: Disputes and appeals (icbc.com)

When I leave the province, can I be sued if I am involved in a vehicle crash?

Yes, when you leave B.C., the laws of the other jurisdiction apply. For instance, if you are responsible for a crash in Alberta you can be sued under their tort model. If you travel outside the province, you can choose to purchase Extended Third Party Liability insurance that would respond to a lawsuit outside of B.C.

What happens if the responsible driver is from out of Province, does this mean I can still sue them?

The law of the land will apply. Any crash occurring in B.C. will be subject to the limitations on lawsuits, regardless of the parties involved. Likewise if a B.C. resident is involved in a crash outside of B.C. they will be subject to the rules of that jurisdiction.

Can a lawsuit be filed in another jurisdiction for a crash that occurs in B.C.?

The Legislation and Regulation of the jurisdiction in which the crash occurs applies to the claim, not the normal residence of the claimant or the jurisdiction in which the claim is filed. Under Enhanced Care, B.C. has a lawsuit ban on most auto-related claims.

Is Third Party Liability still included in Basic coverage?

Yes, the minimum Third Party Liability coverage you are required to have is $200,000. For commercial vehicles, mandatory minimum Basic Third Party Liability coverage may be $1M or $2M. There are no plans at present to change the minimum limit.

Why do I still need Third Party Liability?

Although there are fewer situations where Third Party Liability coverage is accessed in B.C., they still exist. Examples of scenarios where you will need Third Party Liability in B.C. include when damage is caused to non-vehicle property (e.g. a house, fence, store, or contents carried in someone else's vehicle), and certain crashes off highway. In addition, if you travel outside of B.C., particularly in jurisdictions where suing is allowed, you may need Third Party Liability coverage if you cause a crash that injures someone or damages their property. Talk to your broker about optional Third Party Liability coverages.

Do I have options for Extended Third Party Liability?

Yes, Extended Third Party Liability continues to be available. The options for Extended Third Party Liability remain consistent with those available prior to Enhanced Care. At present there are no plans to change the limits available.

Will Third Party Liability cost less even if my fleet uses vehicles outside of B.C.?

Generally, Third Party Liability will cost less if you primarily drive within B.C. At renewal, it will be important for you and your broker to have a discussion about travelling outside of B.C. to ensure you purchase sufficient Third Party Liability coverage for tort jurisdictions.

If you have vehicles that are primarily used outside of B.C., you will see less savings or no savings. The reason for this is because the limitation on suing is in B.C. only, outside of B.C. the laws of the other jurisdiction apply. If you operate solely in B.C. your risk of being sued is much lower than if you operate both inside and outside of B.C. You can purchase Extended Third Party Liability coverage for vehicles that operate outside of the province but this will reduce the amount of savings brought on by Enhance Care. Please note that amount of reduction of savings is dependent on territory of use.

Does Enhanced Care coverage apply if I get into a crash in a jurisdiction such as Alberta or Washington State where there is a tort model?

Under Enhanced Care, B.C. residents are eligible for Enhanced Accident Benefits even outside the province and regardless of who is responsible for the crash. When travelling outside B.C. it is recommended that you carry Extended Third Party Liability coverage in order to be adequately protected if you are responsible for a crash that injures someone else or damages their property.

How will a claim be handled if my employee is driving a work vehicle outside of B.C.?

If your vehicle has ICBC insurance, the insurance will respond to the out-of-province claim. B.C. resident drivers will have access to Enhanced Accident Benefits. You will have access to your Third Party Liability if you are sued for injury/ death, vehicle/property damage while you are driving out-of-province. It will be important for ICBC policy holders who do travel outside of B.C. to take this into consideration when choosing their Third Party Liability limit.

​​What is considered a non-standard vehicle?

The full definition of a non-standard vehicle is found in the Insurance (Vehicle) Act, Part 10, but the following is a simplified definition: 

• Non-standard vehicle: A motor vehicle that, as manufactured, does not conform to Canadian standards for motor vehicles for on-highway use, but could be licensed for limited on-highway use in B.C.

Some examples of non-standard vehicles include Industrial machines, logging machinery, golf carts, farm tractors and all-terrain vehicles.

What is considered a highway?

The definition of a highway per the Motor Vehicle Act:

• Highway includes (a) every highway within the meaning of the Transportation Act, (b) every road, street, lane or right of way designed or intended for or used by the general public for the passage of vehicles, and (c) every private place or passageway to which the public, for the purpose of the parking or servicing of vehicles, has access or is invited; but does not include an industrial road.

What is happening with non-standard vehicles under Enhanced Care?

Because the lawsuit bans for body injury and vehicle damage do not apply to most crashes involving non-standard vehicles off highway, customers who are not responsible for the crash have the option to sue for compensation for injury and vehicle damage in these situations. However, under Enhanced Care, non-standard vehicles that operate off-highway are no longer eligible for Basic Third Party Liability coverage while operating off-highway. Any Owner's Certificate (APV250) issued effective May 1, 2021 or later will not provide Basic Third Party Liability coverage for non-standard vehicles while they are operating off-highway. 

There is a transition period in which an Owner's Certificate issued to a non-standard vehicle operated in specified rate classes prior to May 1, 2021 will continue provide Basic Third Party Liability for off-highway losses until the policy expires or is cancelled.

What is optional Off-Highway Third Party Liability coverage?

For our customers with vehicles such as licensed golf carts, utility vehicles, farm tractors and industrial vehicles (rate classes 030, 100 and 170), who operate off-highway (e.g. on logging roads or private land), optional Off-highway Third Party Liability will protect you in the event of an off-highway crash you are responsible for.

This is a new coverage that was introduced with Enhanced Care and can be added to eligible policies effective May 1, 2021 and beyond.

What limits are available for Off-Highway Third Party Liability optional coverage?

Optional Off-Highway Third Party Liability is available with limits of $200k, $1M, $2M, $3M and $5M.

If I want to have Third Party Liability coverage on my non-standard vehicle for off-highway risks, what do I need to do? 

Customers with existing Owner's Certificates, effective before May 1, 2021, insuring non-standard vehicles in rate classes 030, 100, and 170 will continue to have Basic and Extended Third Party Liability that covers them on and off highway until their next renewal. When it comes time to renew your policy, you can choose to purchase ICBC's optional Off-Highway Third Party Liability coverage if you would like this risk covered. It is important for you and your broker to discuss the options to determine the coverage that is right for you. Non-standard vehicles that require Third Party Liability coverage while operating off highway have the option to purchase optional coverage either through ICBC or the private market. Eligible customers can purchase ICBC's Off-Highway Third Party Liability coverage at policy renewal or when taking out a new policy effective May 1, 2021 or later.

What if I want to add a non-standard vehicle to my fleet after May 1, 2021?

If your fleet vehicles get their coverage through an APV250, then if you add a non-standard vehicle to your fleet, you will need to consider if you want to purchase optional Off-Highway Third Party Liability coverage for that vehicle. ICBC's Basic Third Party Liability and Extended Third Party Liability will not cover non-standard vehicles operating off highway, so customers will need to have this conversation with their broker when they are purchasing a new plate on their fleet.  

Some of the vehicles that my company operates do not go on-highway, does this change affect them?

A simple way to determine if this change will affect any of your vehicles is to ask the following three questions:

1. Does the vehicle fit the definition of non-standard vehicle?
   
2. Is the vehicle issued a B.C. plate and insurance today?
3. Is the vehicle rated for operation in rate class 030, 100 or 170?

If the answer is yes to all three of these questions, the vehicle may be affected by changes to Basic Third Party Liability for non-standard vehicles off-highway, and may be eligible to purchase Off-Highway Third Party Liability on the APV250.

If your vehicle fits the definition of a non-standard vehicle, but you answered No to one or both of questions 2 and 3, this change will likely not impact you at this time.  Non-standard vehicles that are not licensed and insured in rate classes 030, 100 and 170 continue to have other sources of optional Third Party Liability coverage when they are operated off highway.

Note: For some industrial machines you may answer yes to all three questions, but if they are part of an Industrial Fleet and insured on an APV261, the optional Third Party Liability on the APV261 will continue to cover those non-standard vehicles when they are operated off highway. 

Other sources of ICBC optional Third Party Liability coverage for non-standard vehicles operated off highway: 

•  Farm/Industrial Vehicle Floater Licence and Policy (APV261) – issued to farm and industrial vehicles that are operated on highway with a floater plate attached (conditional factor FVL for industrial machines in rate class 170).

Note: If your “R" or “X" plated non-standard vehicle is currently insured under an APV261, the Third Party Liability included on the APV261 will respond to Third Party Liability losses occurring off highway, with or without the floater plate attached.

• Off-Highway Pleasure Use Policy (APV119) (applies to non-standard vehicles rated in rate class 035 and 036 as well as unlicensed vehicles operated exclusively off highway for pleasure use).

Are there any non-standard vehicles that will not have any coverage options with ICBC under Enhanced Care?

There continues to be some non-standard vehicles that either not required or not eligible for ICBC licensing and insurance. These categories of vehicles have not changed under Enhanced Care.

How does Enhanced Care affect non-standard vehicles that have Off-Road Vehicles (ORV) plates, Restricted “R" plates or Industrial “X" plates?

There is no change to the on-highway licensing and insurance requirements for non-standard vehicles eligible for the ORV, “R" or “X" plates. However, the impact of removing lawsuits applies to ORV's, “R" and “X" plates as it applies to regular plated vehicles if the crash is on-highway.

When driving on highway with a valid license and insurance, the lawsuit ban applies and these vehicles will still be able to access any applicable insurance on their plates.

Are there any exceptions where Basic liability will still cover non-standard vehicles while operating off-highway?

Yes the Garage Vehicle Certificates (APV4) will still cover liability for non-standard vehicles while off-highway. This is the only exception.

What is Basic Vehicle Damage coverage?

As a result of the move to first party coverage, Basic Vehicle Damage coverage represents a change in the way your vehicle repair costs are paid for when you're not responsible for a crash. It works like this: if you're driving in B.C. and another driver crashes into your vehicle, your own Basic Vehicle Damage Coverage will cover the costs of your vehicle damage (up to the extent that you are not responsible for the crash).

You likely won't notice any change when you make a vehicle damage claim. You can rest assured knowing that when you're not responsible for a crash, your Basic insurance will cover you for up to $200,000.

Do I have to pay a deductible for Basic Vehicle Damage Coverage?

No, there is no deductible for Basic Vehicle Damage coverage.

Does this change to how vehicle damage claims are paid mean fault doesn't matter?

Fault still matters. As always, those that are responsible for crashes will see an impact to their premiums. Likewise those who are not responsible will not see their premiums affected even if they access Basic Vehicle Damage coverage.  

Why is the Basic Vehicle Damage coverage limit the same for commercial and personal vehicles?

Basic Vehicle Damage coverage has been designed to provide non-responsible customers with a similar level of compensation to what they would have received prior to Enhanced Care when vehicle damage claims were paid under the Basic Third Party Liability coverage of the responsible party. The $200,000 Basic Vehicle Damage coverage limit aligns with the minimum Basic Third Party Liability limit applicable to most vehicles (some commercial vehicles have minimum Basic TPL limits of $1 million or $2 million), and is sufficient to cover the vast majority of the vehicles in B.C. (i.e. 99%).

What if I have a vehicle with a value over $200,000?

Basic Vehicle Damage coverage will cover damage to your vehicle up to $200,000 to the degree you are not responsible for a crash in B.C. If you purchased ICBC Collision coverage, it will cover the cost of repairs or replacement above the $200,000 limit.  If you do not carry ICBC's Collision coverage you may want to discuss the options with your broker. If you carry Collision with an optional insurer, you will want to confirm if their coverage will cover amounts over the $200,000 limit. If you don't buy any Collision coverage, you won't have any coverage beyond the $200,000 limit.

What is the rationale for having a limit on the amount of coverage for vehicle damage in Basic insurance?

The Enhanced Care model achieves fairness by placing the burden of insuring the full value of their vehicle on owners of high-value vehicle instead of exposing the entire Basic insurance fund to these high-value specialty risks. This is also a way for ICBC to ensure that material damage claims cost under basic is controlled and contribute to rate stability which is another key goal for Enhanced care.

The high-value vehicle surcharge under Basic still applies and compensation for vehicle damage will depend on the actual cost to repair/ replace the vehicle up to the prescribed limit.

What does Basic Vehicle Damage coverage cover and not cover?

Basic coverage covers repairs to your own vehicle to the extent you are not responsible. If you are not responsible for the crash, the claim will not impact your insurances rates.

Some situations in which Basic Vehicle Damage Coverage would not apply:

• a crash that doesn't involve another vehicle;
• a crash occurring outside of B.C. (other jurisdictions' laws apply); or
• if you are responsible in the crash (which would still be covered under Collision coverage).
  

Do I still need to purchase Collision now that Basic Vehicle Damage coverage is in effect?

Collision will continue to cover your vehicle damage for crashes when you are responsible.  

The Basic Vehicle Damage coverage limit is $200,000. If you have a vehicle valued over this limit and typically do not purchase Collision coverage today, you may choose to purchase Collision if you'd like to be covered for additional vehicle damage above the $200,000 limit. At renewal, you should discuss your options with your broker because you will no longer be able to sue for damages even when you are not responsible.

What is first party coverage and how is this different from third party coverage?

Third party coverage:

If you cause a crash, your Basic Third Party Liability insurance pays for the other person's injuries or damage to their vehicle or property.

First party coverage:

If you're in a crash, your Basic insurance pays for your own injuries regardless of who caused the crash, with more care available than before, if you need it. If your vehicle is damaged and you're not at fault, your basic insurance will cover the vehicle damage too.

Is there an annual limit to Basic Vehicle Damage coverage?

No, you will have access to the limit in Basic Vehicle Damage coverage per claim and per vehicle.

Are there any vehicles that are not eligible for collision coverage?

There is no change to the vehicles that are currently excluded from ICBC Collision coverage. Examples of vehicles that will only be covered up to $200, 000 and are not eligible for Collision coverage include mobile cranes, logging machinery and tracked vehicles (crawlers). Please work with your broker on the best policy that will work for your specific needs.

​Are there changes for Hit and Run claims?

A hit and run happens when an unidentified driver damages your vehicle or injures you and leaves the scene of the crash. Under Enhanced Care, vehicle damage coverage from a hit and run is an optional coverage.

This means all policyholders will no longer subsidize coverage for hit-and-run incidents, making premiums fairer. It also makes BC’s coverage for hit and run consistent with most other jurisdictions across Canada. 

There will continue to be a statutory fund for non-vehicle property damage.

What options do I have to protect for vehicle damage if I have a hit and run under Enhanced Care? 

If you buy Collision coverage, you are still protected from a hit and run. This coverage is subject to your deductible.

If you do not carry Collision and you want to make sure you are protected from a hit and run, you can either add Collision coverage to your policy or add the new Hit and Run optional coverage. If you purchase optional Hit and Run coverage, it will only provide coverage for hit-and-run incidents on B.C. highways. Collision responds to out of province hit-and-run claims.

All British Columbians, regardless of whether they have any insurance coverage, will be covered for any injuries resulting from a hit and run under ICBC’s Enhanced Accident Benefits.

What is the deductible be for the new Hit and Run coverage?

The deductible is $750. However, if you purchase Collision instead of the Hit and Run coverage you can work with your broker to determine what deductible works best for your needs.

Do I need to purchase the stand alone Hit and Run coverage if I already have Collision?

No, if you’ve purchased Collision coverage it will cover any hit-and run-claims. You cannot carry both coverages. 

Is optional Hit and Run coverage available for APV4 (Garage) and APV90 (Fleet Reporting) policies?

No, APV4 (Garage) and APV90 (blanket fleet) policies are not eligible for the ICBC optional hit and run product.

There is currently an exclusion for hit-and-run damage to property owned or operated by a government, municipality, private utility or public utility, including damage to buildings, highways, hydro poles, medians, or telephone poles. Will this exclusion still exist under Enhanced Care?

Yes, Part 8 of the Insurance Vehicle Regulations (IVR) outlines this restriction and this continues to be restricted under Enhanced Care. This restriction limits claims for certain types of property damaged in a hit and run if the property is owned or operated by federal, provincial, or municipal governments; private or public utilities; or similar entities. 

Will Enhanced Accident Benefits impact the fleet discount/surcharge?

Yes if the driver of the fleet vehicle is responsible for the crash, payments made under Enhanced Accident Benefits for anyone involved in the crash are considered chargeable (to the extent your driver is responsible).  

Are there any other additions to what is considered chargeable under Enhanced Care?

Yes, under Enhanced Care, when the driver of the fleet vehicle is responsible for a crash, payments made under the other party's Income Top-Up Policy and/or Basic Vehicle Damage coverage will also impact premiums (to the extent your driver is responsible).

What is the rationale behind the fleet rating change and why is it necessary?

As always, the number of claims and severity of claims (how much they cost) will impact the Fleet discount or surcharge to the extent that the driver is at fault. 

With the introduction of new coverages and benefits under Enhanced Care this means that the fleet discount/surcharge will take these into consideration.

There will be no changes to the formulas for calculating the actual and adjusted loss ratios. It is simply the inputs that are changing. Our rating is based on a 3 year scan therefore the impacts will take a few years to materialize and will be monitored by ICBC.

Although new payment types will be considered in the adjusted loss ratio (to the extent the driver is responsible), where at-fault claim costs are counted as Third Party Liability today, in future state Enhanced Accident Benefits and Basic Vehicle Damage coverage payments will be made instead.

We will continue to use Third Party Liability. Third Party Liability will continue to have bodily injury, property damage and non-vehicle property damage.

Are there changes to the Premium Adjustment Agreement (Retro) program?

The Retro program continues to be a voluntary, performance based program. If your fleet has more than 200 vehicles or if your insurance premiums after the fleet discount are $100,000 or more, you remain eligible for the Retro program.

The overall program directives and eligibility criteria have not changed under Enhanced Care. You will continue to receive an adjustment at 6, 18 and 30 months based on your fleets' claims.

Under Enhanced Care, the claims included in your fleet Retro loss ratio calculation have changed. In addition to what is already included, the following claims will be included if one of your drivers is fully or partially responsible for a crash on or after May 1, 2021:

• Basic Vehicle Damage coverage, for damage caused to another vehicle to the extent your driver is responsible for the crash.
• Enhanced Accident Benefits and Income Top-Up, for anyone injured in the crash to the extent your driver is responsible for the crash.
  

Who has access to Enhanced Accident Benefits?

Enhanced Accident Benefits are available to British Columbians in the majority of scenarios, whether they have a policy with ICBC or not, with no overall limit to the coverage available. Enhanced Care covers incidents which occur on or after May 1, 2021. This includes drivers, passengers, cyclists and pedestrians who are injured anywhere in Canada or the U.S., and regardless of whether they caused the crash or not.

Further details of the benefits and compensation can be found on ICBC.com​.

Note: Where an incident involves a non-standard vehicle operating off-highway, the Enhanced Care benefits will not be available and the limitation on lawsuits will not apply. More information on this can be found here.

Do non-B.C. residents have access to Enhanced Accident Benefits if they are in a crash in B.C.?

Subject to certain conditions, non-BC residents have access to Enhanced Accident benefits when they are injured or killed in a crash in BC where the limitation on lawsuits apply. For example, if a non-BC resident pedestrian is injured or killed in a crash involving a BC licensed and insured vehicle on-highway, Enhanced Accident Benefits will provide the injured non-BC resident with the care and recovery benefits included in EAB.

If a driver is working at the time of a crash, what does ICBC cover?

Under Enhanced Care and just as before, ICBC is the secondary payer to other benefits available at the time such as WorkSafeBC on benefits for crashes which occur while a driver is at work. Drivers who were working at the time of the crash are no longer be able to make an election and must pursue their claim for benefits through WorkSafeBC.

Where a driver is entitled to compensation that exceeds the compensation available with WorkSafeBC, ICBC will pay the excess amount up to the limits that have been set out in Regulations. This is outlined in Section 122 of the Insurance (Vehicle) Act and supporting Regulations.

What happens if my other benefits don't cover me for as long as I need them to?

ICBC will kick in as secondary payer.

What is covered if a driver cannot work as a result of crash?

If a driver is hurt to the extent that they are unable to work, Enhanced Accident Benefits will help them continue to cover their daily costs and bills, paying 90% of their net income up to $100,000 in gross income.

If they earn above $100,000 and don't have any other income replacement coverage (such as through their employer), they can buy an optional product such as ICBC's optional Income Top-Up Policy to top up the maximum gross income (i.e. 100K) amount used to calculate their wage loss benefits.

If the injured has some form of disability insurance from another insurance provider, such as WorkSafeBC, this insurance is the primary for income replacement and top-up benefits. ICBC is the secondary source of coverage for income replacement and top-up benefits.

Can I buy a top up to the Enhanced Care income replacement benefits for my fleet on behalf of my employees?

The new optional Income Top-Up Policy is a stand alone policy that covers an employed individual involved in a crash whether or not the crash happens while they are at work. Any person who is eligible and interested in this policy will need to purchase the policy for themselves.

What proof is required for the benefits?

The appropriate proof required differs depending on the benefit and the circumstances of the claim, which ICBC claim representatives will advise on.

ICBC will make coverage decisions based on the available medical evidence. The doctor or health care provider, that an insured chooses, will lead the insured's care. ICBC will work with the insured, their doctor, and health care providers to provide access to the services and recovery benefits needed for as long as they are needed.​

Is there an appeal process if I don't agree with a coverage decision?

Yes, there will still be independent options to help customers resolve disputes and some situations where taking legal action against a dangerous driver or negligent party is possible. Government is also taking steps to ensure British Columbians will be treated fairly when they have a claim with ICBC. Please refer to the Raising your complaints page​ for more details.

Will any part of the claims process be changing as a result of Enhanced Care?

Generally speaking the claims process should remain unchanged.

How are deductibles applied under Enhanced Care when there is partial responsibility for a crash?

The rules surrounding the application of deductibles haven't changed under Enhanced Care. For example if you were 50% at fault, you still pay 50% of your deductible. If you were 0% at fault, you do not have to pay your deductible, even if the repair exceeds Basic Vehicle Damage limit and part of the damage has to be paid out of Collision.

How is responsibility determined under Enhanced Care?

The way that responsibility is determined has not changed under Enhanced Care.

When a crash happens, ICBC will determine who was responsible so that it can still go on that driver's record, with the potential to impact their premiums. Drivers who cause crashes or drive dangerously are still held accountable under Enhanced Care.

For more information on how responsibility is determined please go to our Crash responsibility page on icbc.com.

Will customers still receive a letter advising them who was responsible for the crash?

Yes, ICBC will continue to send letters to customers regarding responsibility for the crash.

Can repairs start while responsibility is being determined?

Generally speaking, when a customer carries ICBC Collision coverage they do not need to wait for responsibility to be determined before getting their vehicle repaired.

What is the claims process for customers who carry optional insurance with a private insurer?

Under Enhanced Care, customers with private coverage will continue to report their claim to their private insurer.​