What do I need when filling an ICBC claim after an accident

Every year, the provincial governments in Canada work to improve road safety in order to decrease the number of fatalities and serious injuries. According to the Canadian Motor Vehicle Traffic Collision Statistics of 2011, both fatalities and serious injuries decreased by 10.3 percent from 2010 to 2011.

If you have been involved in an automobile accident, there are many steps you’ll need to take before you file a claim. It’s important to have as much information as possible for the insurance agent to help the process run more smoothly, especially if you have incurred a personal injury. Although the post-accident timeframe can be stressful, the team at Becker, Lavin, and Wessler has put together this How-To guide to make sure you get the necessary information to file your personal injury and accident claim with ICBC.

What Information Does the ICBC Agent Require?

The ICBC agent requires the following information before processing your claim: where and when the accident took place, the license plate number for all vehicles involved, the drivers license numbers for anyone involved, the insurance information for anyone not insured by ICBC, which auto body shop you prefer, and a copy of the police report. Once you have compiled all this information, you’re ready to file the claim.

What Happens After Your Claim Is Filed?

Once your ICBC claim has been filed, you will be instructed to either meet with an insurance adjuster or to get a damage estimate at an ICBC approved automobile repair shop. Once the estimate has been approved by the insurance adjuster, repair to your vehicle will be started. If your policy includes “loss of use,” this means your policy covers either a rental vehicle or reimbursement for taxis and public transportation while your vehicle is being repaired. There are daily limits in place; your insurance adjuster will provide you with these limits. In some cases, the repairs will exceed the estimated value of your vehicle. If this should occur, you will be compensated with the cash value of your vehicle at the time of the accident.

What Happens If the Accident Caused Injury?

In most cases, medical treatment is covered from injuries sustained from the accident. These benefits include ambulance services, medication, chiropractic care, and follow-up doctor visits. You must speak to your insurance adjuster in order to be sure what services will be covered for you. In some cases, ICBC pays for the service directly, and in other cases, you will need to submit for reimbursement. You may end up with medical expenses and lost wages that aren’t covered by your basic policy. Fortunately, if the accident is at least partially the other driver’s fault, you may qualify for financial compensation. You will work with your insurance adjuster to agree on a settlement amount, and you will be paid promptly.

Accidents are unfortunate, but knowing what to do if you’ve been involved in an accident is necessary for a successful claim. Be sure to get some more helpful information by reading the 11 Worst Mistakes to Make with Your ICBC Claim.

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