When making a claim against a car insurance policy in British Columbia, the vehicle owner needs to gather some information first. Having the facts at hand means the matter will be resolved more quickly. Be prepared to provide the following information if you are making a claim to the Insurance Corporation of British Columbia (ICBC):
- License plate numbers for all vehicles involved in the accident
- Insurance information for drivers not covered by ICBC (includes out of province motorists)
- Driver’s license numbers for all drivers involved in the accident
- Location where the accident occurred
- Date and time of the accident
- Police report file number (when the crash is serious or the incident involves theft or an act of vandalism)
A collision should be reported to local police and to the ICBC. Once the ICBC has been notified that a crash has occurred, an adjuster will be assigned to the claim to determine which driver was at fault.
An estimator examines the vehicle to determine whether it can be repaired. If the damage is repairable, then the car will be taken to the garage of the policyholder’s choice for the work to to be performed. The policyholder is required to pay the deductible and ICBC pays out on the balance, up to the policy limit.
A determination that a driver is responsible for an accident may mean an increase in premiums. For drivers who have a clean driving record, this may not necessarily be the case.