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ICBC disputes

What to Do If You Disagree With an ICBC Decision

ICBC publishes different dispute pathways depending on whether the disagreement involves injury benefits, crash responsibility, vehicle value, coverage or another claim decision.

Start With the Decision

Get the decision in writing where possible and identify exactly what is being challenged.

Coverage

Whether a policy or benefit applies in the circumstances.

Typical Escalation

ICBC advises people to begin by speaking with the relevant claims or recovery specialist and reviewing the decision. Depending on the dispute, further internal review and the Civil Resolution Tribunal may be available.

1. Ask for reasons

Understand the facts, policy or statutory basis used.

2. Provide missing information

New medical, employment, witness or vehicle evidence may matter.

3. Review escalation

Follow the dispute route specific to the decision.

4. Watch deadlines

Some disputes have short filing periods after a formal decision.

Official Sources

Build the dispute around the decision

Four Questions to Answer Before Escalating

What exactly did ICBC decide?

Identify the benefit, responsibility percentage, vehicle value, coverage issue or other decision rather than describing the entire claim as disputed.

What reasons were given?

The next step is clearer when you understand the medical, factual, policy or statutory basis ICBC relied on.

What evidence changes the analysis?

Focus on information relevant to the actual reason for the decision instead of sending an undirected volume of material.

What is the deadline?

Internal review and CRT deadlines can differ by dispute type. Verify the current time limit as soon as the formal decision is received.