The Role of ICBC When A Resident of British Columbia Gets Involved In A Collision Outside of BC
The Insurance Commission of British Columbia (ICBC) provides basic insurance coverage to all vehicles that have been registered in that same Canadian Province.
Types of damages covered
• Damage caused by a collision
• Damage caused by hail
• Theft of entire vehicle
• Theft of parts/components
• Theft of items left inside of vehicle
Owner of vehicle must gather necessary information at the scene of the reported incident.
If reported damage was caused by a collision, then the driver must learn the name of the other driver, as well as the driver’s license number and insurance company. In addition, the driver reporting the collision must learn the policy number for the other driver’s insurance, as well as the license plate number for any other involved vehicle.
If the owner intends to report vandalism, theft or damage caused by fire or hail, then the report sent to ICBC ought to contain any available contact numbers for witnesses. Regardless of the nature of the reported situation, the owner needs to provide ICBC with pictures of the damage. In addition, the vehicle’s owner should contact the police.
If the driver or any passengers got injured at the time of the reported collision, or if someone got injured during an effort to catch the vandal that was damaging the insured vehicle, then that injured victim would have a right to seek Part 7 benefits. In order to request Part 7 benefits, residents of BC must provide ICBC with a completed CL22 form.
Yet submission to ICBC of only the completed CL22 form does not guarantee ICBC’s willingness to arrange for delivery of Part 7 benefits. Instead, that form must arrive at ICBC’s offices in an envelope that contains some additional material. That additional material should include proof of the vehicle’s registration, proof of Canadian insurance and a medical validation for any reported injury.
Before sending-off that envelope with the completed form and the additional material, the applicant should remain aware of ICBC’s next step. Once the Commission receives the mailed packet, then it must ask an adjuster to contact the person that applied for the Part 7 benefits.
Once contacted, adjusters get in touch with the person or their Injury Lawyer in Kelowna that reported either a collision or commission of an act that resulted in damage to the insured vehicle. While talking with that same person, the adjuster normally asks for a statement. Applicants must understand that they are not required to release such a statement.
Unfortunately, some applicants find it hard to fight the adjuster’s repeated requests for a statement. For that reason, it helps to hire a lawyer, before sending a CL22 to ICBC’s offices. An attorney can step-in, if an adjuster’s forceful and demanding attitude becomes too persuasive.