1
00:00:00,230 --> 00:00:01,550
someone hits your car in

2
00:00:01,550 --> 00:00:02,950
British Columbia.

3
00:00:03,370 --> 00:00:04,990
Do you chase their insurer?

4
00:00:05,590 --> 00:00:08,110
Report the crash to ICBC first.

5
00:00:08,510 --> 00:00:09,970
For a qualifying BC road

6
00:00:09,970 --> 00:00:11,350
collision, your own basic

7
00:00:11,350 --> 00:00:12,870
vehicle damage coverage is the

8
00:00:12,870 --> 00:00:14,290
starting point.

9
00:00:14,370 --> 00:00:15,850
But a known uninsured driver

10
00:00:15,850 --> 00:00:17,550
and an unidentified hit-and-run

11
00:00:17,550 --> 00:00:19,210
are different problems.

12
00:00:19,610 --> 00:00:20,810
This is about recent crashes

13
00:00:20,810 --> 00:00:22,690
and damage to your car.

14
00:00:23,758 --> 00:00:25,458
Basic vehicle damage pays the

15
00:00:25,458 --> 00:00:26,598
covered share for which you are

16
00:00:26,598 --> 00:00:28,418
not responsible, up to $200

17
00:00:28,418 --> 00:00:30,558
,000 for the vehicle.

18
00:00:31,018 --> 00:00:32,538
Ordinary basic coverage has no

19
00:00:32,538 --> 00:00:33,678
deductible.

20
00:00:34,118 --> 00:00:35,038
It can include permanently

21
00:00:35,038 --> 00:00:36,538
attached equipment and separate

22
00:00:36,538 --> 00:00:38,238
loss of use benefits.

23
00:00:38,718 --> 00:00:40,238
Your car must qualify, and

24
00:00:40,238 --> 00:00:41,238
coverage conditions still

25
00:00:41,238 --> 00:00:42,298
matter.

26
00:00:42,618 --> 00:00:43,718
Being blameless does not

27
00:00:43,718 --> 00:00:45,738
override every exclusion.

28
00:00:46,854 --> 00:00:48,514
An identified driver's lack of

29
00:00:48,514 --> 00:00:49,394
insurance does not

30
00:00:49,394 --> 00:00:50,514
automatically prevent your

31
00:00:50,514 --> 00:00:52,654
basic vehicle damage claim.

32
00:00:53,014 --> 00:00:54,294
The law does not make the other

33
00:00:54,294 --> 00:00:55,654
driver's insurance a universal

34
00:00:55,654 --> 00:00:57,634
condition of your coverage.

35
00:00:58,054 --> 00:00:59,794
ICBC may have recovery rights

36
00:00:59,794 --> 00:01:01,254
against them.

37
00:01:01,374 --> 00:01:03,734
Give ICBC their details.

38
00:01:04,094 --> 00:01:05,114
If your own insurance had

39
00:01:05,114 --> 00:01:07,094
expired, get advice, suing the

40
00:01:07,094 --> 00:01:08,154
other driver is not a

41
00:01:08,154 --> 00:01:09,834
guaranteed substitute.

42
00:01:10,982 --> 00:01:13,042
Imagine $6 ,000 of covered

43
00:01:13,042 --> 00:01:15,742
damage and 50 % responsibility.

44
00:01:16,202 --> 00:01:18,202
Basic would cover $3 ,000,

45
00:01:18,202 --> 00:01:19,482
assuming no other reduction

46
00:01:19,482 --> 00:01:20,722
applies.

47
00:01:21,162 --> 00:01:22,262
Optional collision may cover

48
00:01:22,262 --> 00:01:24,022
the remaining share, subject to

49
00:01:24,022 --> 00:01:25,822
its terms and deductible.

50
00:01:26,262 --> 00:01:27,642
Without that optional cover,

51
00:01:27,642 --> 00:01:29,622
you may pay that part yourself.

52
00:01:30,202 --> 00:01:31,222
Fault still matters for the

53
00:01:31,222 --> 00:01:32,502
repair bill.

54
00:01:33,526 --> 00:01:35,386
An unidentified hit and run is

55
00:01:35,386 --> 00:01:36,486
different.

56
00:01:36,946 --> 00:01:38,266
Basic alone does not pay that

57
00:01:38,266 --> 00:01:39,746
vehicle damage.

58
00:01:40,146 --> 00:01:41,106
Purchased collision coverage

59
00:01:41,106 --> 00:01:42,646
may respond.

60
00:01:43,186 --> 00:01:44,646
ICBC's separate optional hit

61
00:01:44,646 --> 00:01:46,146
and run coverage has a limit of

62
00:01:46,146 --> 00:01:48,286
$200 ,000 and a deductible of

63
00:01:48,286 --> 00:01:51,146
$750 for qualifying BC highway

64
00:01:51,146 --> 00:01:52,446
incidents.

65
00:01:52,966 --> 00:01:54,066
Make reasonable efforts to

66
00:01:54,066 --> 00:01:55,746
identify the driver.

67
00:01:56,126 --> 00:01:57,686
Do not confuse protection for a

68
00:01:57,686 --> 00:01:58,906
damaged fence with cover for

69
00:01:58,906 --> 00:02:00,026
your car.

70
00:02:01,110 --> 00:02:02,790
Report promptly.

71
00:02:03,190 --> 00:02:04,390
Keep photographs, witness

72
00:02:04,390 --> 00:02:06,450
details, dashcam footage, and

73
00:02:06,450 --> 00:02:07,550
receipts.

74
00:02:07,990 --> 00:02:09,530
For a hit and run, tell police

75
00:02:09,530 --> 00:02:10,870
if someone was injured or you

76
00:02:10,870 --> 00:02:12,230
have a suspect.

77
00:02:12,670 --> 00:02:13,790
Protect the car from further

78
00:02:13,790 --> 00:02:14,990
damage.

79
00:02:15,290 --> 00:02:16,630
Get approval before ordinary

80
00:02:16,630 --> 00:02:19,010
repairs or removing evidence.

81
00:02:19,450 --> 00:02:20,830
Basic rules also require

82
00:02:20,830 --> 00:02:22,510
written proof of loss within 90

83
00:02:22,510 --> 00:02:23,270
days.

84
00:02:23,270 --> 00:02:25,710
Confirm what ICBC needs now.

85
00:02:26,678 --> 00:02:27,818
A write-off does not

86
00:02:27,818 --> 00:02:29,378
automatically buy you a new car

87
00:02:29,378 --> 00:02:31,158
or clear your loan.

88
00:02:31,658 --> 00:02:32,838
Basic generally pays the lower

89
00:02:32,838 --> 00:02:34,098
of appropriate repair or

90
00:02:34,098 --> 00:02:35,458
replacement cost and actual

91
00:02:35,458 --> 00:02:37,818
cash value within its limit.

92
00:02:38,158 --> 00:02:39,398
Ask for the valuation and

93
00:02:39,398 --> 00:02:41,398
compare similar vehicles.

94
00:02:41,938 --> 00:02:42,998
Special optional endorsements

95
00:02:42,998 --> 00:02:44,958
may change your entitlement.

96
00:02:46,126 --> 00:02:48,286
Ask ICBC to approve a similar

97
00:02:48,286 --> 00:02:50,526
rental before booking it.

98
00:02:50,586 --> 00:02:51,686
Covered transport must be

99
00:02:51,686 --> 00:02:52,866
reasonable.

100
00:02:53,326 --> 00:02:54,726
Basic loss of use benefits can

101
00:02:54,726 --> 00:02:55,726
end when repairs are

102
00:02:55,726 --> 00:02:57,646
substantially complete or ICBC

103
00:02:57,646 --> 00:02:58,986
offers to settle, whichever

104
00:02:58,986 --> 00:03:01,626
comes first, unless extended.

105
00:03:01,986 --> 00:03:03,086
Disputing the offer does not

106
00:03:03,086 --> 00:03:04,386
automatically keep the rental

107
00:03:04,386 --> 00:03:05,406
running.

108
00:03:06,414 --> 00:03:08,034
For a fault dispute, protect

109
00:03:08,034 --> 00:03:10,354
two separate 90-day steps.

110
00:03:10,774 --> 00:03:12,394
ICBC must receive your written

111
00:03:12,394 --> 00:03:13,414
request for a detailed

112
00:03:13,414 --> 00:03:15,154
assessment within 90 days after

113
00:03:15,154 --> 00:03:16,674
the date of its CL 281

114
00:03:16,674 --> 00:03:18,054
notification.

115
00:03:18,594 --> 00:03:20,494
After receiving the CL 722

116
00:03:20,494 --> 00:03:22,154
assessment, apply to the Civil

117
00:03:22,154 --> 00:03:23,814
Resolution Tribunal within 90

118
00:03:23,814 --> 00:03:25,154
days after the date on that

119
00:03:25,154 --> 00:03:26,294
assessment.

120
00:03:26,674 --> 00:03:27,954
Informal discussions do not

121
00:03:27,954 --> 00:03:29,614
suspend those clocks.

122
00:03:30,758 --> 00:03:32,138
Disagreement alone is not

123
00:03:32,138 --> 00:03:33,198
enough.

124
00:03:33,538 --> 00:03:34,978
In that tribunal claim, you

125
00:03:34,978 --> 00:03:36,978
must prove both that ICBC acted

126
00:03:36,978 --> 00:03:38,638
improperly or unreasonably and

127
00:03:38,638 --> 00:03:39,818
that your responsibility was

128
00:03:39,818 --> 00:03:40,858
lower.

129
00:03:41,238 --> 00:03:42,278
Ask for the evidence and

130
00:03:42,278 --> 00:03:43,238
reasoning behind the

131
00:03:43,238 --> 00:03:44,398
assessment.

132
00:03:44,738 --> 00:03:46,118
A fault determination does not

133
00:03:46,118 --> 00:03:47,558
automatically require payment

134
00:03:47,558 --> 00:03:49,038
of every disputed repair or

135
00:03:49,038 --> 00:03:50,498
rental charge.

136
00:03:51,550 --> 00:03:53,210
A basic repair cost or vehicle

137
00:03:53,210 --> 00:03:54,610
value dispute has a different

138
00:03:54,610 --> 00:03:55,610
route.

139
00:03:55,870 --> 00:03:57,530
If unresolved, it must go to

140
00:03:57,530 --> 00:03:58,990
arbitration submitted within

141
00:03:58,990 --> 00:04:00,910
two years of the accident.

142
00:04:01,310 --> 00:04:03,150
You and ICBC share arbitration

143
00:04:03,150 --> 00:04:04,530
costs.

144
00:04:04,830 --> 00:04:06,270
Other coverage, money, and

145
00:04:06,270 --> 00:04:07,490
court claims can have different

146
00:04:07,490 --> 00:04:08,630
rules.

147
00:04:08,950 --> 00:04:10,390
Get the refusal and reasons in

148
00:04:10,390 --> 00:04:11,910
writing, identify the correct

149
00:04:11,910 --> 00:04:13,590
route, and seek advice before

150
00:04:13,590 --> 00:04:14,890
the deadline.

151
00:04:15,942 --> 00:04:17,242
For free general legal

152
00:04:17,242 --> 00:04:19,102
information, Legal Hotline's

153
00:04:19,102 --> 00:04:20,422
Canada number is on your screen

154
00:04:20,422 --> 00:04:21,502
now.

155
00:04:21,882 --> 00:04:23,202
Legal Hotline is not a law

156
00:04:23,202 --> 00:04:24,282
firm.

157
00:04:24,602 --> 00:04:26,962
Its information line uses AI.

158
00:04:27,522 --> 00:04:28,562
Lawyer matching is a separate

159
00:04:28,562 --> 00:04:29,822
service, subject to

160
00:04:29,822 --> 00:04:31,782
availability and acceptance.

161
00:04:32,202 --> 00:04:33,142
For advice on your own

162
00:04:33,142 --> 00:04:34,682
situation, speak with a lawyer

163
00:04:34,682 --> 00:04:36,122
in your province.

164
00:04:36,482 --> 00:04:38,122
In immediate danger, contact

165
00:04:38,122 --> 00:04:39,922
emergency services.