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report a claim of car accident

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发表于 5/20/2019 16:41:55 | 显示全部楼层 |阅读模式
本帖最后由 郭国汀 于 5/20/2019 17:07 编辑

Report and view your claim
Report your claim online or by phone, and check your claim details quickly and easily with our online system.
Report a claim
Find out how to report a claim and what information you need to have beforehand. You can report a claim online or by phone, 24 hours a day, seven days a week.
Check the details of a claim
Login to our online claim service to check your claim detail such as your assessed responsibility, deductible and more.

Setup direct deposit
You can save time later and receive your claim reimbursements more quickly by setting up direct deposit (electronic fund transfer).



Report a claim
Find out how to report a claim and what information you need to have beforehand. You can report a claim online or by phone, 24 hours a day, seven days a week.
Before you report a claim
You'll need:
  • The licence plate number of each vehicle involved
  • Driver’s licence number of each driver
  • Insurance information for vehicles not insured by ICBC
The following information may also help us process your claim faster:
Next step: Choose the type of claim you want to reportVehicle damage
You can report vehicle damage online if you are a:
  • Registered owner
  • Principal operator OR
  • Lessee of a personal vehicle

Types of personal vehicle damage claim include:
  • Collision
  • Hit and run
  • Vandalism, theft, fire and weather
  • Emergency roadside expenses

Report a claim online




Glass damage
If only one piece of glass is damaged and you have no other related vehicle damage, then go directly to an ICBC-approved Glass Express facility.
Otherwise, you will need to call ICBC on the number below. Find out more about glass and windshield claims.

Find a Glass Express facility




Witness
Witnessed a crash, hit and run, vandalism, fire or theft?
You can file a report with us by filling out an online form.

Fill in our witness report form




Other claims, please call us
You will need to call us to report your claim if you are:
  • a passenger, pedestrian or cyclist
  • an owner or lessee of a commercial vehicle
  • reporting property damage


              
Lower Mainland:
604-520-8222

Toll-free:
1-800-910-4222












What happens after you report your claim?
Once you've reported a claim online or by phone, you’ll receive an email that includes your claim number. An ICBC claims adjuster will review your claim within one business day. If we need more information to process your claim, we’ll give you a call.
You can log in to check the details of your claim online at any time.


​Frequently asked questions












I had a crash or other type of claim while driving outside of B.C. What should I do?

If you have a crash or other type of claim while driving outside of B.C., you can report a claim online (within Canada) or call us on the numbers above.
Please note: If you are reporting your claim from outside of Canada, we recommend calling us. If you try to report online, your IP address may be blocked for security reasons.
You can report your claim online or by phone 24-hours a day. If your vehicle can’t be driven or you’re concerned about driving it, your ICBC claims adjuster can help refer you to a repair location for assistance.
If you are driving in Alberta, Washington, Oregon or California, our partners Fix Auto (Alberta) or CARSTAR (Washington, Oregon and California) can provide immediate assistance and arrange repairs, towing or a rental vehicle.
Your ICBC representative can help you find the assistance you need, wherever you are.


What if English is not my first language?

​​We can speak with you in your language about your claim. We have multilingual adjusters and we also offertranslation services over the phone in more than 170 languages - any time you need them.


How should I report my claim if I only have an interim driver's licence?

Please call ICBC to report your claim at 604-520-8222 or 1-800-910-5222.
Alternatively, you can wait until you receive your new driver's licence in the mail and report online then.
Please note that you must be the registered owner, principal operator or lessee of a personal vehicle to use the online claims service.


I’ve been in a crash with a vehicle that is licensed outside of B.C. What information do I need to collect?

If you’re in a crash with a vehicle that’s licensed outside of the province then more information is needed to start your claim.
Out-of-province vehicles are not insured with ICBC, which means we don't have access to their insurance information. If you’re involved in a crash with an out-of-province vehicle, it’s important to collect the right information so that we can track down their insurance company for your claim. If you don’t provide enough information you will need to pay your deductible whether or not you are at fault.
If you’re involved in an accident with an out-of-province vehicle please collect or take photos of:
  • The insurance company name, policy number, and phone number
  • Driver’s name, address, phone number, and licence number
  • Photos of the crash and scene
  • If the police attend, the police report number (where applicable)
  • The name and phone number of any witnesses


​Are there any specific technical requirements for using your online claim service?

We recommend using the most up-to-date browsers for the best experience. The minimum browsers currently supported are:
  • Google Chrome v. 30 or higher
  • Mozilla Firefox v. 26 or higher
  • Internet Explorer v. 11 or higher
  • Safari v. 7 or higher


​​When I report my claim, why do you need to know if I am a GST registrant?

If you are a GST registrant, this means you are registered with Canada Revenue Agency (CRA), have a business number and sell taxable products and services. You will be responsible for paying the GST to the repair facility on completion of repairs to your vehicle.
ICBC does not pay the GST on repairs as you can claim the GST paid as an Input Tax Credit or apply to the CRA for a rebate. Insurance doesn’t cover expenses that you get back from other sources such as income tax deductions.










 楼主| 发表于 5/20/2019 17:10:14 | 显示全部楼层
Check the details of a claim
Our online service allows you to conveniently check the details of your claim.
To log in, you will need your:
  • driver's licence number
  • driver's licence serial number (found on the back of your licence)
  • licence plate number
Please note that only the registered owner, principal operator, or lessee of a personal vehicle involved in a claim may use the online service.
Once logged in, you can find your claim by claim number, licence plate, or your policy, certificate or permit number.
Check the details of a claim








Log in to our online claim service to check your:
  • Assessed responsibility: This is the degree of responsibility assigned in a crash.
  • Deductible: The amount you have to pay toward repairs before your insurance pays for the rest.
  • Adjuster's contact information: The name and phone number for the adjuster assigned to your claim.
  • Current location of your vehicle: For example, the tow yard, repair shop or ICBC facility where your vehicle is currently located.
  • Your ICBC insurance coverage at the date of the incident. Find out more about Autoplan Insurance.

 楼主| 发表于 5/21/2019 14:02:09 | 显示全部楼层
Collision claims
If you've been in a crash with another vehicle, suffered a hit and run, or hit an object and suffered damage to your vehicle, we’re here to help.
Am I covered?
If you purchased ICBC Collision coverage, or the other driver is wholly or partially at fault, then all or most or your vehicle’s repair costs are covered.
Damage to another driver’s vehicle is not covered by your ICBC Collision coverage. Your liability coverage would pay for these costs, if you caused the damage.
Steps of your collision claim
Here's what to do and what you can expect when you make a collision claim.
Step 1: Report your claim online or by phone
You can report your collision claim online or by phone.
If you’ve suffered an injury during your collision, you will be asked for details when you report your claim. Find out more about Injury claims.
If you have a police file number, please have it ready when you report your claim.
Step 2: An adjuster is assigned to your claim
The adjuster gathers as much information as possible about the crash and reviews the claim details, considering the rules of the road as outlined in the Motor Vehicle Act. They may consult other resources and/or use investigation tools.
The adjuster will also determine responsibility (also called fault or liability) for the crash and keep you updated on the claim.
Step 3: Get an estimate of the damage
An estimator examines the damage to your vehicle, then writes up an estimate of the repairs needed and their cost. Find out more about Getting a damage estimate.
The estimator’s findings may also help the adjuster assess responsibility for the crash.
Write-offs
If it is not economical to repair the vehicle, it may be deemed a write-off. You’ll receive a settlement amount for the vehicle’s market value. Find out more about Write-offs.
Step 4: Get your vehicle fixed
You can have your vehicle fixed at the repair shop of your choice.
We recommend using an ICBC-accredited facility as your repairs will be guaranteed for as long as you own your vehicle. Find an ICBC-accredited repair shop.
Step 5: Pay a deductible (if required)
ICBC pays most shops directly for the estimated repair work.
When the repairs are done, you may have to pay a deductible to the shop. A deductible is the amount you have to pay towards repairs before your insurance covers the rest.
You may have to pay depreciation on some parts and/or labour that are subject to wear and tear. Talk to your estimator for details.
Will I have to pay more for insurance?
If you're more than 25 per cent responsible for a crash, you will likely have to pay more for insurance unless you have a long, claim-free record. The premium on your Optional insurance may go up, too.
Find out more about Claims and your insurance costs.

 楼主| 发表于 5/21/2019 14:08:22 | 显示全部楼层
Disputes and appeals
Your experience matters to us. If you have concerns about your claim, we'll do whatever we can to make it right.
Filing a dispute
If you don't agree with an assessment or decision we've made about your claim, you have options for disputing it.
Minor injury determination disputes
If you want to dispute a minor injury determination, here's how to proceed.  
Responsibility assessment disputes
If you disagree with your responsibility assessment, here's how to dispute it.
Settlement offer disputes
If you're not satisfied with the amount we offer to settle your claim, you may dispute the offer.

Denied benefit disputes
If you don't agree with ICBC's decision to deny a benefit, you have options for disputing it.
Freedom of Information requests
For all claims, you can make a request for information under the Freedom of Information Act and Protection of Privacy Act.
Previous arbitration decisions
ICBC posts the decisions of arbitrators in disputes related to Underinsured Motorist Protection, as required by law.




 楼主| 发表于 5/21/2019 14:17:24 | 显示全部楼层
Filing a dispute
If you don't agree with an assessment or decision we've made about your claim, you have options for disputing it.
Whether a responsibility assessment, minor injury determination, denied benefit, or settlement offer, you have options for disputing assessments or decisions made about your claim.
Talk to your ICBC claim representative
In all cases, you should talk to your claim representative first. It's important that both of you understand all of the factors taken into account and this is your opportunity to point out anything that might have been overlooked or ask questions about how the decision was made.
If you are still not satisfied after speaking with your claim representative, ask to speak to their manager and they will review the details of your claim.
Claims Assessment Review
If you still haven't resolved the matter after speaking with your claim representative and their manager, you may be eligible for a Claims Assessment Review (CAR). A CAR can resolve responsibility assessment disputes only, for claims that do not involve injury.
File a dispute with the Civil Resolution Tribunal
As of April 1, 2019, the Civil Resolution Tribunal (CRT) is available to resolve disputes between customers and their auto insurer, including ICBC. The CRT is independent of ICBC and can resolve disputes about:  
  • minor injury determinations
  • accident benefit entitlements
  • who is responsible (at fault) in a crash (for claims up to $5,000)
  • settlement offers (for claims up to $50,000).

The CRT process can be completed online, by mail, or over the phone. It doesn't require legal representation, and can lead to faster resolution than going through the court system. CRT decisions are binding.
CRT Solution Explorer
Start with the CRT's Solution Explorer, which provides free legal information and tools that can help you resolve the dispute. It helps to diagnose your dispute and prepare you for applying for dispute resolution with the CRT.
Dispute your claim in court
Some disputes can also be filed in small claims court or B.C. Supreme Court. Please note, cases in court could take several years to resolve and the court has the final say. If a judge makes a ruling that changes a decision, we will adjust ours to match the ruling.
Concerned about our service?
If you have concerns about the service you received — for example, you feel your ICBC representative didn't handle your claim appropriately — you can raise your concern through various channels, including our Customer Relations department and the Fairness Commissioner.
Find out how to raise your concernswith us.


 楼主| 发表于 5/21/2019 14:22:35 | 显示全部楼层
​Minor injury determination disputes
If your injury falls within the minor injury definition found in regulations, this only affects your compensation for pain and suffering — not your access to benefits and treatments. If you want to dispute a minor injury determination, here's how to proceed.
About the minor injury determination
B.C's minor injury definition includes injuries such as sprains, cuts, and minor whiplash — read the full definition of a minor injury.
A medical professional – not ICBC – will diagnose your injury, and ICBC will use this diagnosis to assess whether it is minor or not, based on the minor injury definition found in regulations. The determination of an injury as minor only affects your compensation for pain and suffering, not the medical treatments and benefits you need to recover.
Talk to your ICBC claim representative
Start by talking with your claim representative. It's important that both of you understand all the factors involved. It's also your opportunity to point out any details that may have been overlooked or ask questions about how the minor injury determination was made.
If you're still not satisfied after speaking with your claim representative, you can ask to speak to their manager. The determination may be able to be changed, for example, if the injury is impacting your life for longer than 12 months, or 16 weeks in the case of concussions or mental health conditions.
File a dispute with the Civil Resolution Tribunal
From April 1, 2019 and onward, the Civil Resolution Tribunal (CRT) is available to address certain disputes between customers and ICBC, including minor injury determination disputes.
The CRT is independent of ICBC and can solve some disputes without involving legal representation. Find out more about filing a dispute and how the CRT may be able to help.
Related links
 楼主| 发表于 5/21/2019 14:27:34 | 显示全部楼层
Settlement offer disputes
If you're not satisfied with the amount we offer to settle your claim, you may dispute the offer.
If another driver involved in your crash has been found responsible, you may qualify for financial compensation, commonly known as a settlement. The injury claim settlement proposed to you is determined on a variety of factors, including your percentage of responsibility and the extent of your injuries. If ICBC presents a settlement offer to you, you can accept the offer as is or negotiate a counter offer if you think the one presented is unfair. If an agreement can't be reached, you have options.
Talk to your ICBC claim representative
Talk to your claim representative. It's important that both of you understand all of the factors taken into account and this is your opportunity to point out anything that might have been overlooked or ask questions about how the offer amount was determined.
If you're still not satisfied, ask to speak with their manager. The manager will review the circumstances of your claim.
File a dispute with the Civil Resolution Tribunal
As of April 1, 2019, the Civil Resolution Tribunal (CRT) is available to address disputes between customers and ICBC, including settlement offer disputes (up to $50,000). If the CRT makes a ruling that changes a decision, we will adjust the decision to match the ruling. Find out more about filing a dispute with the CRT.  
Dispute your claim in court
You can file some settlement offer disputes for accidents prior to April 1, 2019, in small claims court or B.C. Supreme Court. Please note, cases in court could take several years to resolve and the court has the final say.

 楼主| 发表于 5/21/2019 15:01:11 | 显示全部楼层
Denied benefit disputes
If you don't agree with ICBC's decision to deny an accident benefit, you have options for disputing it.
If you've been injured a crash, your Accident Benefits provide access to certain pre-authorized treatments. Other medical services or supplies may also be available to you to support your recovery and your claim representative will determine the reasonability and necessity for those benefits. If there is no medical evidence to support the need for a medical service or supply, the benefit may be denied. If you don't agree with the decision to deny a benefit, you have options.
Talk to your ICBC claim representative
Talk to your claim representative. It's important that both of you understand all of the factors taken into account and this is your opportunity to point out anything that might have been overlooked and ask questions about why the benefits were denied.
If you're still not satisfied, ask to speak with their manager. The manager will review the circumstances of the denied benefit and may be able to change the decision.
File a dispute with the Civil Resolution Tribunal
As of April 1, 2019, the Civil Resolution Tribunal (CRT) is available to address disputes between customers and ICBC, including Accident Benefits entitlement disputes. If the CRT makes a ruling that changes a decision, we will adjust your assessment to match the ruling. Find out more about filing a dispute with the CRT.
Dispute your claim in court
You can file an accident benefit dispute for accidents prior to April 1, 2019, in small claims court or B.C. Supreme Court. Please note, cases in court could take several years to resolve and the court has the final say.

 楼主| 发表于 5/21/2019 15:08:03 | 显示全部楼层
Freedom of Information requests
For all claims, you can make a request for information under the Freedom of Information Act and Protection of Privacy Act.  
Protecting your personal information
ICBC always protects your personal information from improper use. Our information and privacy department ensures we meet our obligations under the Freedom of Information and Protection of Privacy Act.

How to make a Freedom of Information request
To make a Freedom of Information request, follow these steps:​​​
1. Talk to your adjuster about your claim file information
​You can ask your adjuster about the information being used to assess your claim.
2. Talk to your adjuster's manager

​If after reviewing the information you're​ still not satisfied, ask to speak to the manager about your claim.

3. Request the freedom of information process
​If, after reviewing your file information from your adjuster and the manager, you're still not satisfied, request under Freedom of Information to receive and review your file information.
Mail or fax your request to:
ICBC Privacy & Freedom of Information
151 West Esplanade
North Vancouver BC V7M 3H9
Fax: 604-443-4562


 楼主| 发表于 5/21/2019 15:10:45 | 显示全部楼层
Previous arbitration decisions
ICBC posts the decisions of arbitrators in disputes related to Underinsured Motorist Protection (UMP), as required by Section 148.2 (2.1) of B.C.'s Insurance (Vehicle) Regulation.
B.C. Regulation 212/2007 states: "an arbitrator who adjudicates a dispute under this section must publish the reasons for the decision by forwarding a copy of the reasons, with personal information that would identify the parties deleted, to the corporation for publication on its website."
This section came into force on June 21, 2007.
ICBC makes no representations, warranties or guarantees with respect to the accuracy or content of the arbitral decisions on this site. ICBC has not reviewed or made any changes to the contents of the arbitration documents. The decisions have been placed on this site in the form received from the respective arbitrators.

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