Care and recovery
Medical and rehabilitation-related benefits are central to the model.
Treatment and recovery →Enhanced Care applies to accidents occurring on or after May 1, 2021, subject to the Insurance (Vehicle) Act and regulations. It provides accident benefits regardless of responsibility while restricting most bodily-injury lawsuits.
Medical and rehabilitation-related benefits are central to the model.
Treatment and recovery →Income replacement can apply where an injury prevents work, subject to statutory rules and calculations.
Income replacement →Responsibility can affect driver records, premiums and vehicle-damage issues.
Responsibility assessment →Benefit and responsibility decisions can be challenged through defined review and tribunal processes.
Disputes →ICBC states that BC residents injured in a crash can receive Enhanced Accident Benefits regardless of who caused the crash. The statutory framework also contains specific rules for residents, non-residents and particular accident circumstances.
Occupants injured in qualifying vehicle accidents may be entitled to benefits.
BC residents injured by a vehicle can also fall within Enhanced Care.
Cyclist & pedestrian claims →Resident coverage can extend to qualifying crashes elsewhere in Canada or the United States, subject to the Act.
Post-2021 benefits are generally statutory entitlements rather than a negotiated pain-and-suffering settlement against the other driver.
Fault assessments remain relevant to vehicle damage, premiums and driving records even though injury benefits are generally available regardless of responsibility.
Many disputes proceed through ICBC review and the CRT rather than the former court-based injury-claim model.