WEBVTT

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someone hits your car in

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British Columbia.

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Do you chase their insurer?

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Report the crash to ICBC first.

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For a qualifying BC road

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collision, your own basic

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vehicle damage coverage is the

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starting point.

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But a known uninsured driver

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and an unidentified hit-and-run

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are different problems.

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This is about recent crashes

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and damage to your car.

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Basic vehicle damage pays the

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covered share for which you are

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not responsible, up to $200

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,000 for the vehicle.

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Ordinary basic coverage has no

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deductible.

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It can include permanently

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attached equipment and separate

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loss of use benefits.

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Your car must qualify, and

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coverage conditions still

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matter.

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Being blameless does not

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override every exclusion.

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An identified driver's lack of

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insurance does not

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automatically prevent your

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basic vehicle damage claim.

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The law does not make the other

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driver's insurance a universal

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condition of your coverage.

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ICBC may have recovery rights

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against them.

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Give ICBC their details.

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If your own insurance had

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expired, get advice, suing the

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other driver is not a

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guaranteed substitute.

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Imagine $6 ,000 of covered

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damage and 50 % responsibility.

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Basic would cover $3 ,000,

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assuming no other reduction

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applies.

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Optional collision may cover

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the remaining share, subject to

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its terms and deductible.

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Without that optional cover,

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you may pay that part yourself.

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Fault still matters for the

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repair bill.

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An unidentified hit and run is

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different.

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Basic alone does not pay that

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vehicle damage.

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Purchased collision coverage

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may respond.

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ICBC's separate optional hit

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and run coverage has a limit of

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$200 ,000 and a deductible of

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$750 for qualifying BC highway

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incidents.

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Make reasonable efforts to

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identify the driver.

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Do not confuse protection for a

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damaged fence with cover for

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your car.

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Report promptly.

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Keep photographs, witness

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details, dashcam footage, and

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receipts.

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For a hit and run, tell police

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if someone was injured or you

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have a suspect.

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Protect the car from further

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damage.

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Get approval before ordinary

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repairs or removing evidence.

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Basic rules also require

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written proof of loss within 90

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days.

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Confirm what ICBC needs now.

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A write-off does not

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automatically buy you a new car

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or clear your loan.

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Basic generally pays the lower

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of appropriate repair or

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replacement cost and actual

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cash value within its limit.

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Ask for the valuation and

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compare similar vehicles.

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Special optional endorsements

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may change your entitlement.

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Ask ICBC to approve a similar

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rental before booking it.

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Covered transport must be

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reasonable.

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Basic loss of use benefits can

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end when repairs are

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substantially complete or ICBC

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offers to settle, whichever

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comes first, unless extended.

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Disputing the offer does not

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automatically keep the rental

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running.

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For a fault dispute, protect

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two separate 90-day steps.

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ICBC must receive your written

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request for a detailed

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assessment within 90 days after

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the date of its CL 281

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notification.

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After receiving the CL 722

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assessment, apply to the Civil

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Resolution Tribunal within 90

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days after the date on that

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assessment.

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Informal discussions do not

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suspend those clocks.

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Disagreement alone is not

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enough.

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In that tribunal claim, you

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must prove both that ICBC acted

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improperly or unreasonably and

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that your responsibility was

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lower.

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Ask for the evidence and

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reasoning behind the

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assessment.

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A fault determination does not

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automatically require payment

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of every disputed repair or

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rental charge.

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A basic repair cost or vehicle

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value dispute has a different

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route.

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If unresolved, it must go to

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arbitration submitted within

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two years of the accident.

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You and ICBC share arbitration

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costs.

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Other coverage, money, and

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court claims can have different

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rules.

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Get the refusal and reasons in

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writing, identify the correct

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route, and seek advice before

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the deadline.

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For free general legal

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information, Legal Hotline's

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Canada number is on your screen

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now.

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Legal Hotline is not a law

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firm.

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Its information line uses AI.

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Lawyer matching is a separate

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service, subject to

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availability and acceptance.

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For advice on your own

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situation, speak with a lawyer

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in your province.

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In immediate danger, contact

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emergency services.