You’re shaken. Your bumper’s crumpled. Maybe the other driver sped off—or maybe you were the one at fault. Whatever just happened, your heart’s racing and your brain’s scrambling with questions: Am I covered? What do I do next? Will my insurance go up?

At King Insurance, we help BC drivers like you navigate every step after a collision—because no one should be stuck Googling at the side of the road. Here’s your complete, plain-English guide to what really happens after a crash, and how to protect your wallet, your car, and your peace of mind. These benefits are designed to provide comprehensive support for customers. The new model of car insurance in British Columbia includes enhanced accident benefits, making insurance coverage more comprehensive and affordable for those injured in a crash.

Are You Covered?

Here’s the good news: If you’ve purchased basic vehicle damage coverage, most or all of your vehicle damage repair costs will be covered if you’re found responsible for the crash. This includes incidents like:

• Collisions with another vehicle
• Hitting a stationary object (e.g. a pole or fence)
• Damage caused by a hit-and-run

Basic insurance is a mandatory coverage in BC, providing a minimum level of protection for all drivers.

If you’re responsible for damaging someone else’s vehicle, their Basic insurance (which all drivers in BC must carry) will typically cover the cost of their repairs.

And if the crash wasn’t your fault? Your Basic Vehicle Damage coverage will kick in to cover the damage to your vehicle. It’s that simple.

Step-by-Step: Filing a Collision Claim with ICBC

Understanding what happens after a crash can make the process feel less overwhelming. Here’s a breakdown of what to expect when you file a claim:

Step 1: Report Your Claim

You can file a collision claim online or over the phone to ensure the process starts smoothly. If there were injuries involved, you’ll be asked for details during the reporting process.

Filing a claim ensures you have access to the necessary services and support for your recovery benefits.

Tip: If a police report was filed, have the file number ready. This can speed things up.

For more details, talk to your insurance provider to understand your coverage options.

Step 2: Claims Representative Assigned

ICBC will assign a claims representative who will:

• Gather information from all parties involved
• Review statements and police reports
• Assess the details against BC’s Motor Vehicle Act
• Determine fault (also known as liability)
• Keep you updated throughout the process

Fault matters because it may affect your premiums, especially if you’re found to be more than 25% responsible.

To learn more about the claims process, visit ICBC’s website or contact your claims representative.

Step 3: Vehicle Damage Estimate

An estimator will inspect your vehicle and provide a cost estimate for repairs. If the damage is too extensive and the vehicle isn’t economical to fix, ICBC will offer you a payout based on the vehicle’s market value.

Step 4: Choose a Repair Shop

You’re free to choose any repair shop. However, ICBC recommends using one from their Collision Repair Network. These accredited shops guarantee repairs for as long as you own your vehicle. That’s peace of mind you can count on. To locate a service near you, visit ICBC’s online repair shop locator tool.

Step 5: Pay Your Deductible

Most shops will bill ICBC directly for repairs, but you may still need to pay a deductible—this is your out-of-pocket portion before insurance kicks in.

Some parts may also be subject to depreciation, depending on wear and tear. Your estimator will let you know if that applies.

Will My Insurance Rates Go Up?

If you’re found to be more than 25% responsible for the crash, your premium may increase at your next renewal. The impact depends on:

• Your driving history
• Past claims
• Whether you’re the policyholder or a listed driver
• The type of coverage you carry
• The net income and maximum caps on benefits, which can influence the overall cost of your insurance

For those unable to work due to an injury, Enhanced Accident Benefits provide wage loss benefits covering up to 90 per cent of your net income.

For example, if you have a long history of safe driving and few claims, the increase might be minimal—or waived altogether. But if you’ve had multiple at-fault accidents, expect to pay more for Collision and other Optional coverages.

How Does ICBC Determine Fault?

Assigning responsibility isn’t always straightforward. ICBC considers multiple factors, including:

• Statements from drivers, passengers, and witnesses
• Police reports
• Damage to vehicles
• Traffic laws in the Motor Vehicle Act
• Previous court decisions in similar crashes

You’ll be notified by letter once a responsibility decision has been made. If you disagree, you can challenge it by discussing the case with your claims representative or using the formal dispute process. Determining who is responsible for a crash is crucial as it affects insurance coverage and benefits, including Enhanced Accident Benefits for medical care, recovery costs, and vehicle damage coverage.

The Importance of Witnesses

If someone saw the crash, their input can help clarify what happened. Witnesses can provide a witness report online or be contacted directly by your claims representative. Independent accounts—especially from people who aren’t friends or family—can help strengthen your case, especially in disputes.

If Your Vehicle Is a Total Loss

Sometimes, it’s not worth fixing the car. If that’s the case, ICBC will determine your vehicle’s actual cash value—based on its condition before the crash—and offer a payout. That amount can be used toward buying another vehicle.

What to Do After a Hit-and-Run

Hit-and-run accidents are uniquely frustrating. If your vehicle is damaged and the other party is unknown, you can still file a claim—especially if you have ICBC Collision coverage. Reporting the incident to the police and obtaining a police file number is essential for your claim. This includes windshield damage, minor scrapes, or more serious impacts.

How Much Will I Pay?

While exact costs vary, you can use ICBC’s online estimation tool to get a rough idea of how your insurance might be affected. However, for the most accurate estimate, you’ll need to wait until you’re within six weeks of your renewal date.

Insurance costs are calculated with precision, often down to the last cent, to ensure accuracy.

Being involved in a crash—even a minor one—can impact your driving record and premiums. That’s why it’s important to:

• Drive defensively
• Avoid distracted or impaired driving
• Understand how insurance works
• Report all claims honestly and accurately

The fewer crashes you’re involved in (and responsible for), the better your rates over time.

Disputing Fault: What If You Don’t Agree?

Mistakes can happen. If you believe ICBC has made the wrong call about fault, don’t stay silent. Reach out to your claims representative and request a review of the responsibility assessment. You may be asked to provide:

• Additional evidence
• Photographs
• Independent witness reports
• Diagrams of the crash scene

Disputes are reviewed on a case-by-case basis. If you’re still not satisfied after the review, you may be able to escalate it to the Civil Resolution Tribunal.

Why It Pays to Work with a Trusted Broker

At King Insurance, we do more than sell policies—we’re your advocates when the unexpected happens. Whether it’s walking you through what Collision or Comprehensive coverage really means, helping you decide your deductible amount, or advising you after a crash, we’re here for you.

Consulting an Autoplan broker can help you understand your coverage options and select the best products for your needs.

Remember: the best time to understand your coverage is before an accident happens. Not all insurance policies are the same, and having the right protection in place can save you thousands of dollars and weeks of frustration.

Final Thoughts

No one plans to get into a car accident. But if it happens, knowing what to expect can help you move forward with confidence. With the right coverage and the support of a responsive insurance partner, you’ll spend less time worrying—and more time getting back on the road.

Still have questions? Contact a King Insurance advisor today. We’ll help you review your policy, assess your options, and prepare for whatever lies ahead. Learn more about your insurance options to stay informed and protected.

It’s important to continue reviewing and updating your insurance coverage to ensure comprehensive protection for you and your vehicle.