Your Questions Answered (FAQ)

  • On May 1, 2021, the government of British Columbia dramatically changed how ICBC works. Instead of a negligent driver being responsible for the harm that they cause to an innocent victim, ICBC is now a No Fault insurer. This means that fault for the accident is irrelevant; both the victim and the negligent party are entitled to the same schedule of benefits following an accident. It will operate much more like WorkSafe BC with an individual adjuster in charge of your rights.

    No fault means that if you are injured in a car collision by a reckless driver, that driver is entitled to the same schedule of benefits as you. 

    A no fault system also means that seriously injured individuals will have a lifelong relationship with ICBC. Rather than having their case resolved with a fair settlement that allows the individual to decide what care they need and when No Fault requires the individual (or their family) to go back to ICBC week-after-week, month-after-month, year-after-year, seeking needed care or wage loss benefits that will often be insufficient.

    If the insurance adjuster refuses to pay for needed care or wage loss benefits — for example, by alleging you had a “pre-existing condition” — you are left with no meaningful recourse to challenge that decision through an independent court.

    No fault schemes result in less damages being paid to those injured on our roads. No damages are paid for pain and suffering. Wage loss benefits are limited and will not cover your actual loss.Your care costs are covered only to the extent that your care providers are prepared to accept ICBC’s rates. With No Fault, individuals don’t receive damages paid once as a lump sum so they can move on with their lives. Instead, compensation is rationed at the control and direction of an ICBC adjuster.

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