How to File a Collision Claim in British Columbia.
February 21 2025,
Accidents can happen at any time. Whether it’s a minor fender bender or a more serious crash, knowing how to file a collision claim makes the process easier. In British Columbia, claims go through ICBC (Insurance Corporation of British Columbia). Filing a claim properly helps ensure your vehicle gets repaired quickly.
Report the Accident as Soon as Possible
The first step is to report the claim. This can be done online or by phone at any time, day or night. ICBC will assign a claims representative who will review the details and explain the next steps. If the accident involved injuries, the process may include medical benefits.
When reporting, providing as much detail as possible is helpful. This includes the date, time, location, and any photos of the damage. If the accident involved another driver, their insurance and contact information should also be included.
Find Out What Is Covered
Coverage depends on the situation. ICBC handles collision claims, windshield and glass damage, theft, fire, and hit-and-run cases. If your vehicle is not drivable, ICBC may cover the cost of a rental car or other transportation.
If you have been injured, Enhanced Accident Benefits provide access to treatment without waiting for an insurance decision. Medical expenses, lost income, and recovery support may also be available.
Get Your Vehicle Repaired
Once the claim is approved, the next step is getting a damage estimate. This can be done at an ICBC-approved repair shop. The repair facility will inspect the vehicle, provide an estimate, and complete the repairs.
If the vehicle is not repairable, ICBC will determine its market value and offer a settlement. If a rental car is needed, coverage options depend on the policy.
What Happens if You Are at Fault?
ICBC determines who is responsible for the accident. If you are not at fault, the other driver’s insurance should cover the repairs. If fault is shared, each driver may pay a portion of the costs. If you are responsible, your policy will cover the repairs, but a deductible may apply.
Get Expert Help at Mercedes-Benz North Vancouver
Filing a collision claim does not have to be stressful. At Mercedes-Benz North Vancouver, we work with ICBC-approved repair centres to ensure your vehicle is restored to its best condition. Whether you need collision repairs, a replacement vehicle, or expert advice, our team is here to help. Visit us today and let us take care of your Mercedes-Benz so you can get back on the road with confidence.
