Getting into a vehicle crash can be a stressful experience, especially when you’re not sure what happens next. Whether it’s a minor fender-bender or more a more serious damaged vehicle, it’s important to understand how the repair process works, and how your insurance coverage applies. Here’s a step-by-step guide to navigating vehicle repairs in British Columbia under ICBC’s Enhanced Care model.
Step 1: Reporting the Claim
The first thing you should do after a collision is report the incident to ICBC, either online or by phone. You’ll need to provide details about the crash, including the date, location, and any other vehicles or objects involved. If you were injured or have a police file number, be sure to include that information as well.
A claims representative will then be assigned to your case. They will investigate the details of the crash, determine fault based on B.C.’s Motor Vehicle Act, and guide you through the process from start to finish, keeping your navigation open so you know what’s next in the repairs process. You can also contact ICBC at any time if you need clarification or wish to talk through the next steps.
Step 2: Understanding Your Coverage for Vehicle Repairing
If you purchased ICBC Collision coverage, it will typically cover the cost to repair your own vehicle—minus any applicable deductible—even if you’re found to be at fault.
If the crash wasn’t your fault, your Basic Vehicle Damage coverage may step in to pay for repairs. This can include covering damages caused by another driver, provided you meet policy requirements. Keep in mind that if you’re more than 25 percent responsible for the crash, your insurance premiums may increase when you renew your policy, especially if you’ve made claims for repairs in the past.
Knowing your coverage keeps your navigation open when deciding how to proceed. You can always contact your broker to confirm what is covered before fixing your vehicle, since understanding your responsibility upfront can prevent surprises later.
Step 3: Getting a Damage Estimate for Damage Caused
Once your claim is open, the next step is to get an estimate of the damage caused. ICBC will let you know where to take your vehicle for the assessment. This could be either a local ICBC claims centre or a repair shop that’s part of the ICBC Collision Repair Network.
An estimator will inspect the vehicle and prepare a repairs estimate, detailing what needs to be fixed and how much it will cost. If the vehicle is deemed not economical to repair, ICBC will offer a settlement based on the car’s market value at the time of the crash instead of funding repairs. In some cases, a tear-down inspection may be required to fully assess hidden damage, and you’ll be given access to the final estimate before work begins.
Step 4: Choosing a Repair Shop to Locate a Service Near You
You can repair your vehicle at the shop of your choice. However, ICBC strongly recommends using an accredited repair facility. Repairs done at ICBC-approved shops are guaranteed for as long as you own the vehicle, giving you extra peace of mind.
If you decide to go with a non-accredited shop, be sure to ask about any warranties or guarantees the shop offers. You’ll also be responsible for paying the repair costs upfront and then submitting receipts to ICBC for reimbursement. This means you may need to be paid back after expenses are submitted. To streamline the process, contact the repair facility early to confirm they have space in their schedule and can start promptly.
Step 5: Deductibles and Additional Costs
Before repairs begin, your estimator will let you know if a deductible applies. This is the portion of the repair cost you’re responsible for. For example, if your deductible is $500 and the repairs cost $3,000, you would pay $500 while your insurance covers the rest.
In some cases, you may also need to pay for depreciated parts or labour, especially if the parts being replaced are considered subject to normal wear and tear, even during insured repairs. Your estimator or broker can contact you if additional costs arise mid-repair.
What If Your Vehicle Was Towed?
If your car was towed from the scene, the towing company may have brought it to their storage yard. Emergency services often arrange towing to prevent hazards or obstruction. Towing and storage expenses can add up quickly, so it’s important to find out whether the towing company is an ICBC vendor. If they are, they can bill ICBC directly. If not, you’ll need to pay upfront and submit receipts for reimbursement.
ICBC can also help coordinate the move from the storage yard to the repair facility once your claim is underway.
Repairs Timeline and Deadlines
You generally have two years from the date of the crash to complete repairs. That said, it’s best to get started as soon as possible to avoid complications. Delays in repairs could affect the condition of your vehicle or the accuracy of the original estimate. Always confirm any timing or deadline concerns with your claims representative, as ICBC rules on timing can affect coverage.
Will This Affect Your Future Premiums?
Possibly. If you’re more than 25 percent at fault, your next renewal could come with higher premiums—particularly for Collision or other Optional coverage. However, drivers with a long history of claim-free driving may see smaller increases or none at all.
To see how a crash might impact your rates, ICBC offers an online estimation tool, but keep in mind it only shows accurate results if you’re within six weeks of your renewal date.
Final Thoughts
While dealing with a vehicle repair may not be the most enjoyable part of car ownership, knowing what to anticipate can reduce stress and help you make informed decisions. The team at King Insurance is here to support you every step of the way—whether you’re filing a claim, reviewing your policy, or choosing the right level of coverage for peace of mind on the road.
For more information about ICBC claims, visit icbc.com. If you’d like help reviewing your policy or understanding your deductible, contact your King Insurance advisor today.
Located at the northwest corner of Marine Drive and Main Street, King Insurance proudly serves not only the South Vancouver communities of Marpole, Sunset, Oakridge, Victoria–Fraserview, and nearby area, including Marine Gateway and Marine Landing, but also clients across Richmond and the entire Lower Mainland. You can address any insurance concerns in person, by phone, or online.
Ka Hing Cheung is proud to work in the insurance industry, helping people manage risk and protect what matters most. Ka Hing is committed to ongoing learning and enjoys helping clients find the right coverage at the best available rate, while making sure they understand their options clearly.