Navigating The ICBC Claims Process

Are you a resident of British Columbia that has recently been in an auto accident? Have you been directed to the ICBC to file a claim, but you have no idea where to start? The ICBC is considered a provincial Crown corporation that was established in order to provide insurance to British Columbia residents, as well as provide licenses and registration. Because of this, the ICBC is responsible for handling auto insurance claims regarding accidents and other damage to a vehicle. But if you've never been through the process, you may find yourself wondering exactly what the ICBC claims process is like.

Filing the Claim

There are two ways that consumers can file ICBC claims. The first is through the ICBC's official website, by selecting the claims tab on the home page. However, claims regarding collision, vandalism and theft can be reported online. The second option for filing ICBC claims is to call the organization directly.

The Claims Process

While the exact process for ICBC claims will vary based on the type of claim filed, there are some basic steps in the process that will remain the same. Once the claim has been made, an adjuster will be assigned to the case. The adjuster will then contact the consumer in order to get an account of what occurred. This information will be used to determine liability.

The next step in the claims process will be to obtain an estimate of the damage that was done to the vehicle. This will be done by a certified estimator, who may also assist in determining liability. The vehicle will then need to be repaired, and if necessary, a deductible will need to be paid.

Claims with Injuries

ICBC claims that involve injuries are a little more complex than the standard claim. In most cases, consumers will qualify for medical benefits under their Basic Autoplan policy, regardless of who was at fault for the accident.

Examples of medical benefits that consumers receive include:

  • Ambulance transportation
  • Chiropractic and/or massage therapy
  • Physical therapy
  • Prescription medication

The ICBC may also assist consumers with claim settlement if another driver is at fault for the accident.

Having to file a claim for an automobile accident or damage to a vehicle is never a fun process, but ICBC claims involve a relatively streamlined process. If you are in need of assistance with ICBC claims, the organization can be reached directly via phone 24 hours a day, seven days per week. Talk to experts like Lawyers Rella Paolini & Rogers for more information.