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Frequently Asked Questions: Insurance

I was partially at fault in my accident. Am I entitled to accident benefits and compensation from ICBC if I was injured?

Most people injured in auto accidents in BC are entitled to no-fault accident benefits. As long as you weren't solely at fault, you can also initiate a tort claim for damages against a driver whose negligence contributed to the harm you've suffered. You may have to go to court to ...more >>



When I report my accident to the Dial-A-Claim Centre am I filing a claim with ICBC? What are the time limits involved?

Reporting your accident to ICBC isn't the same as filing a claim for benefits or damages. These are separate processes. You can only file a claim online or by phone if you weren't injured and the accident wasn't a hit-and-run. To file a claim for accident benefits, you need to ...more >>



How can I protect my insurance claim when dealing with my adjuster?

You don't have to meet with an adjuster even if you have an injury claim. If you hire a lawyer, ICBC won't be allowed to contact you directly - all communications will go through the lawyer. Always have a witness with you when you meet with anyone from ICBC. This can be a ...more >>



How do I know what my claim is worth and whether my adjuster's settlement offer is fair?

If you were solely at fault in your accident, settling your claim basically means being reimbursed for accident-related expenses that should be covered as a no-fault accident benefit; getting total disability (wage-loss or homemaker) benefits you're entitled to but haven't received yet; and buying out your right to future accident benefits ...more >>



Can any ICBC decision be disputed - and how would I do this?

Any ICBC decision can be disputed. If you're unhappy with a decision made by your adjuster, the Low Velocity Impact Committee or any ICBC staff person or department, you can speak to a claims supervisor at the office involved. Lawyers strongly suggest that you NOT use ICBC's internal review process to resolve disputes ...more >>


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Auto Accident Survivor's Guide for British Columbia

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