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Claims Process


Claims Process

​​​To make a claim after a collision, you must notify ICBC (and your private insurer if you have additional private insurance) as soon as possible. ICBC (and your private insurer) will assign an adjuster to work on your claim and evaluate the total damage.


Making a Claim

Most policies require that you make a written declaration or “proof of loss.” If you don't make your claim within a set time period, your insurer may not be legally bound to honour it.

For example, you must provide a written report or statement to ICBC within 30 days of a collision. Depending on the type of your claim, you can inform ICBC:

  1. Online
    • Collisions (single- or multiple-vehicle, no injuries in your vehicle)
    • Comprehensive (vandalism, theft, attempted theft, etc.)
  2. By phone, call Dial-a-Claim, 24 hours a day, 7 days a week. In the Lower Mainland call 604-520-8222 and in other parts of BC call 1-800-910-4222.
    • Vehicle glass damage only
    • Injuries
    • Hit-and-run
    • Collisions outside of the province

Visit ICBC’s website for detailed information about reporting a claim, vehicle repairs, collisions and fault, injuries and treatment, feedback and appeals.

3 Key Claims Tips

  1. If you are injured, you may be entitled to accident benefits. You must submit a completed application to ICBC within 90 days of the accident to apply for these benefits.
  2. If your vehicle is damaged but repairable, your insurer may suggest repairs be carried out by one of its preferred repair shops. Your insurer will confirm that the work is done satisfactorily. If you select a repair shop on your own and the work is unsatisfactory, it will be up to you to address the concern with the repair facility. Your insurer will not pay more than the price quoted by their repairer.
  3. If the damage is significant and cannot be repaired safely, or the cost of repairs is large relative to the value of the vehicle before it was damaged, the insurer may write off the vehicle, negotiate a settlement with you and keep the salvage.

Your Claims Adjuster

A claims adjuster will be assigned to look after your claim and determine how much of the damage or loss is covered.

How to Document Your Auto Insurance Claim

If it is safe to do so, take photos of the accident scene or sketch the scene. Note the positions of the vehicles. It’s important to record and share all collision details with your adjuster, including:

  • How the collision happened and the time, date and location
  • The speed of your vehicle and the road conditions
  • Insurance information (e.g., driver’s licences, plate numbers, insurance companies and policy numbers)
  • Contact information (e.g., name, address and phone number) of drivers, passengers and witnesses

Learn more about how you can prevent further loss after a collision.