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 ClaimMost 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:OnlineCollisions (single- or multiple-vehicle, no injuries in your vehicle)Comprehensive (vandalism, theft, attempted theft, etc.)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 onlyInjuriesHit-and-runCollisions outside of the provinceVisit ICBC’s website for detailed information about reporting a claim, vehicle repairs, collisions and fault, injuries and treatment, feedback and appeals.3 Key Claims TipsIf 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. 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. 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 AdjusterA 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 ClaimIf 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 locationThe speed of your vehicle and the road conditionsInsurance 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. Take the Time, Report the CrimeInsurance crime can take many different forms. Recognize it. Report it.So You've Had an AccidentA convenient form to keep in your car to record the details of an accident. Just in case. Related ServicesCar CrashStay calm and if anyone is injured call 911. It’s important to take notes at the scene of a collision and report the incident to your insurer within 48 to 72 hours. Use IBC’s form to record all contact information and collision details.RepairsYour insurer determines if your damaged vehicle will be replaced, repaired or written off. If it’s repaired with better parts, you may need to contribute to the additional cost. If you decide to have the repairs done at a repair shop that is not one of your insurer company’s “preferred shops,” you will be responsible for managing the repair.Loss PreventionBy practising safe driving techniques, you can prevent a collision. If you are in a collision, watch out for repair shop scams and other preventable costs. Useful LinksStaged CollisionsA staged or alleged vehicle collision supports false auto insurance claims. Staged collisions put innocent drivers at risk and contribute to higher insurance premiums. Dispute ResolutionYou have options when filing a complaint. Start by getting more information from your insurer. Consider contacting the company’s ombudsperson. If your dispute is not resolved, you can contact the General Insurance OmbudService (GIO) or a federal or provincial Superintendent of Insurance. Fleet LiabilityPreventive maintenance is an essential part of an effective fleet risk-management program. Your organization may be held liable for a collision if a driver operates a vehicle for business purposes. Involved in an Accident? Here’s What to DoCollect names, addresses, licence plate numbers and insurance details as needed.