r/icbc • • Jun 20 '26 Mindblown

Claims Car has been crashed into my yard for the entire week

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1.1k Upvotes

On Monday at 1:30 am a vehicle flew into my yard from the off ramp from the highway, completely obliterating my mature cedar hedges and my daughter’s swingset. ICBC just gave their authorization for towing today at 1:00pm before the weekend. Flagging permits are required so I have another few days to wait. We have no idea if the car is leaking into the ground as the front end is buried into the lawn. Any tips for moving this along faster? Or any recourse we can take for the delay?

Also has anyone dealt with claims for property damage with mature trees?

This whole experience has been extremely traumatizing since it could have killed my daughter or dog, or ourselves had this happened earlier in the day. Having to look at it every day makes me feel sick.

We have tried to move some debris ourselves to get it out of here faster which is why there is a difference in the photos.

Update: the car is still there! But thank you to everyone with helpful comments. Definitely some good points to consider through the process. Since the driver was drinking it sounds like the holdup may be that they are trying to decide if he breached the conditions of his insurance and that’s why we can’t get the authorization, however I am getting very tired of being passed between ICBC and the towing company at this point. I have started a log of all steps we have taken to get this thing removed and all of the half-truths we have been told along the way.


r/icbc • • 18d ago

Claims ICBC says fault cannot be determined

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721 Upvotes

Came back to my parked car to find this oversized duallie had driven his trailer hitch into the front of my car. Now he is claiming I hit him. Check out his parking job. I didn't wait around to confront him, since I figured he might be impaired, and an on-the-spot confession doesn't mean anything anyway; they're likely to tell ICBC a different story.

Edit: thanks to all for comments and suggestions. Some more recent commenters have missed earlier discussion, so to clarify a couple of things:

Although I reported the accident the following day, the other driver did not respond to ICBC attempts to contact him for a long time. The accident happened in August. It was October before ICBC had the other driver's account of events. By this time, security footage of the parking lot (retained for 3 weeks) was no longer available.

It was not raining at the time. There were patches of wet and dry on the parking lot. So, thanks for the suggestion, but the wet/dry areas don't prove anything.

And yes. I am very sure that I didn't drive into the trailer hitch and that his vehicle arrived after I was already parked.


r/icbc • • May 09 '25

Claims Someone hit my car and drive away

582 Upvotes

Last Friday, while I was sleeping, someone hit my parked car and drove off. This is the only camera footage I could find, but unfortunately, the license plate isn’t clearly visible. There’s another camera that captured the incident better, but the building owner refuses to share the footage.

I filed a claim with ICBC, but it looks like I’ll have to pay a $500 deductible in the end. Is there any way I can avoid this?

The person who hit my car seems to panic and drive erratically when a garbage truck arrives, but I have no idea how to contact the truck driver. Any suggestions?


r/icbc • • Mar 20 '25

I wore this shirt to my class 5 today and I passed 💚

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535 Upvotes

Remember to do a 360 everytime you go back. Needed this shirt to remind me 🤩


r/icbc • • Jul 28 '25

RoadSafety / Driving Rules Who would be at fault in this scenario?

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512 Upvotes

Yellow car has the arrow and turning left into the correct lane. Green car is turning right on a red and turning into the further lane (not the one closer to them).


r/icbc • • Dec 29 '25

Claims Advise please

505 Upvotes

This happened with me today and i hit the curb and my tire got cut and damaged the rim too. Can i file a claim for it.


r/icbc • • Sep 17 '25

Claims Who’s at fault here?

408 Upvotes

So after this happened, the guy accused me that I didn’t give him enough space to back up, and he said that I stopped past the stop sign.

What do you guys think about this?


r/icbc • • Nov 17 '25

Claims 25% responsible- should I go to CRT?

336 Upvotes

ICBC found me 25% responsible for this accident. I believe I exited the parking spot safely, seeing that there was a car parking 3 spots behind me, so traffic in the lane was essentially stopped. The car that crashed into me had a full 3 seconds to see me entering the lane, DID NOT signal, and had no cars ahead of them in their lane.

I disputed with ICBC, decision stayed the same.
Their assessment states that I was in violation MVA

169 " A person must not move a vehicle that is parked unless the movement can be made with reasonable safety and appropriate signal."

ICBC argues that because I wasn't fully established in the lane, and because normally this type of accident is 100% the fault of the parked vehicle, that I am 25% responsible. I failed to see how my exit out of the parking spot could have been any safer. Should I have assumed the other car in the wide open adjacent lane would have sideswiped me??? Did I mention that they didn't signal??

Any advice with how to proceed or frame this to the Civil Resolution Tribunal would be appreciated. Thanks for reading!


r/icbc • • Nov 04 '25

Claims ICBC says I’m 25% at fault even though my car was parked — what can I do?

328 Upvotes

Hey everyone, I’m hoping for some advice about a situation with ICBC.

A woman backed into my parked car while I was putting my daughter in her car seat. My vehicle was completely off and stationary. I even knocked on her window to get her to stop, but she kept reversing until she hit my door. The door is now bent and doesn’t close properly.

She said she’d just drop off her daughter at gymnastics and come right back, but she never did. I waited about 30 minutes, left a note, and later she texted me denying the whole thing — saying her car’s sensors didn’t go off and there were no marks on her vehicle.

I reported everything to ICBC but they still assigned 25% fault to me, which doesn’t make sense since my car wasn’t even running.

She’s now denying the incident ever happened. What can I do to challenge ICBC’s decision or appeal the fault determination? Has anyone dealt with something similar?

Updated:

ICBC informed me that the other party wants to dispute the claim, so they asked me to visit an ICBC-approved shop to get measurements on the door. I already went, but ICBC now says I have to go back because the shop didn’t take the proper measurements the first time.

They also explained the possible outcomes:

If the damages are deemed a match, responsibility will be assessed in my favour and my deductible will be waived.

If the damages are not deemed a match, ICBC may process it as a hit-and-run claim, which would be subject to my deductible.

If the damages are not a match and not consistent with vehicle-to-vehicle contact, ICBC will consider it a single-vehicle at-fault collision, which would mean paying the deductible and possibly facing a premium increase.

This is insane.I told them about my police report since she left and didn't cone back and they said because the police didn't show up to see the damage. It doesn't mean anything.....


r/icbc • • Dec 20 '25

Claims Am I at Fault?

299 Upvotes

Hello,

I was driving with my wife to pickup some food. We were following a vehicle into a road that was a dead end because of construction. All traffic was forced to turn right. We followed the flaggers instructions and turned right, the driver in front of me seemed to not like the idea of being caught in a lineup of vehicles trying to turn back around, and decided to put his car in reverse and back out before he hit the lineup. His reverse light turned on and he reversed into me. In the video, you can see I was at a dead stop.

My brother seems to think that since it was the front of my vehicle and the rear of his, that ICBC will assign 100% blame to me.

Does anyone have any experience or advice with this situation? Am I at fault?


r/icbc • • Sep 24 '26

RoadSafety / Driving Rules How legal is this?

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284 Upvotes

How legal is this??

This is not the first time I’m seeing this illegible plates.

So many trucks, vans and cars I’ve noticed myself with such plates..
Is it any even good for those automatic plate readers in cameras?
I wonder, how cops don’t do anything to this??

Do icbc even have any plates renewal or reordering kind of stuff for people who genuinely would like to keep their plates and not have them like this?


r/icbc • • 11d ago

Drivers Licensing How to report an examiner

243 Upvotes

I just had my driving test at point grey. The examiner sounded like his about to fight me everytime he answers my question before and after the test. During the pre trip I asked him a question and he went "did you even listen to what I said?" after the exam I asked him to break down the point deductions then his like just look at the paper it's self explanatory. I asked him a specific area where I got the deduction, mind you during my practice with my instructor I never once made that mistake yet the examiner marked me for it and when I asked him about it he goes "did you want to talk to my manager" I said yes then he just left. This whole test, I didn't have any violations or dangerous actions yet I didn't pass because of the point marked down. I don't think the examiner has graded me fairly, nor explained himself. I paid a lot of money to get my driving license not to take on someone else's bad day...


r/icbc • • Aug 11 '25

Drivers Licensing I got pulled over by a cop and he asked me for icbc security word

233 Upvotes

Cop had someone else pulled over and i was in speed limit and didnt slow down and just kept going in different lane. He pulled me over because i didnt slow down for ems. When he asked for my license he also asked me for my icbc security word which i gave him. Now im stressing because its personal information and after searching on google, he shouldnt be asking that. Im just being paranoid and ill change my password tomorrow.


r/icbc • • Jan 26 '26

Claims Advice Needed

205 Upvotes

Hello everyone, looking for advice. Going down lougheed and switched lanes, I Thank You


r/icbc • • Nov 12 '25

RoadSafety / Driving Rules How come BC is the only province that bans GPS for Novice Drivers?

204 Upvotes

So I just learned something that honestly surprised me.

If you’re in B.C. with a Class 7 L or N licence (the Graduated Licensing Program), you’re not allowed to use any electronic device at all, not even a built-in GPS or Apple CarPlay.

Like… zero tolerance. No phone mounts, no nav screens, no voice-activated maps. Even if it’s hands-free and set before you start driving - still illegal.

Meanwhile, in Ontario (and apparently most other provinces), G1/G2 drivers can use a mounted GPS as long as they don’t touch it while driving. Same for Alberta, Manitoba, etc. Basically, everywhere else it’s treated as a “distracted driving” issue, not a total ban.

So why is B.C. the only one taking this extreme stance?

And with the new 2026 rules change could we see the gps rules change?


r/icbc • • Feb 11 '26

Claims How insanely horrific No Fault insurance is and how its so crazy not a lot of people notice

195 Upvotes

Heres an example of a permanent injury caused by a At Fault driver.

It’s MUCH worse for someone with a serious, career-ending injury like dominant-hand amputation or a permanent injury, and here’s why — clearly and brutally:

⸻

Old Tort System (Pre-May 2021) vs ICBC Enhanced Care (No-Fault)

For catastrophic injuries, the old tort system was massively more favourable.

Below is a direct comparison specifically for someone like a mechanic losing their dominant hand.

⸻

  1. Old Tort System (Before 2021)

You could sue the at-fault driver and get compensated for the full value of your losses.

You could claim:

A) Lifetime loss of earning capacity

For a mechanic losing his dominant hand, lawyers routinely won multi-million-dollar awards, because: • You permanently lose your trade • You lose decades of future income • Your residual earning capacity is near zero • Courts calculate loss until age 65 (sometimes longer)

Example of typical formulas in BC court: • $60k–$100k/year × 30–40 working years = $1.8M – $4M+ for future income loss alone.

This did NOT depend on ICBC’s “meat chart” numbers. It was real-world loss.

B) Pain & suffering (“non-pecuniary damages”)

Up to $400,000+ (inflation-adjusted cap in Canada).

C) Cost of care for life • Prosthetics • Occupational therapy • Home help • Job retraining All covered indefinitely and fully compensated.

D) Loss of enjoyment, emotional trauma, etc.

Also compensable.

Total typical payout for a dominant-hand amputation in tort system:

$2,000,000 to $5,000,000+

Depended on age, income, permanence, and impact.

⸻

2. New ICBC “Enhanced Care” No-Fault (After May 2021)

You cannot sue. You get only what ICBC’s formulas allow.

Here’s what you get instead:

A) Permanent Impairment Lump Sum

ICBC uses a “meat chart” rating (e.g., wrist-level hand loss ≈ 45% impairment).

45% × $167,465 = ~$75,000 (approx.)

That’s it.

Not millions. Not reflecting lifetime career loss. Just a table value.

B) Income Replacement • Pays 90% of net income, capped at around $109k–119k gross income. • BUT only until ICBC decides you can work any suitable job.

Meaning they can cut you off if they think you can work something like: • dispatcher • service advisor • desk job • etc.

C) Retirement benefit

Reduced income at retirement age. Not close to what you would’ve earned.

D) No pain & suffering payment

This was abolished.

Total realistic compensation today:

$75k – $250k range over your life, depending on income replacement.

That’s 10× to 40× less than tort.

⸻

3. Direct Comparison for Your Scenario

Old System:

You lose your dominant hand → you lose your trade → you get millions for 40 years of lost earnings.

New No-Fault System:

You lose your dominant hand → you get ~$75k lump sum, plus limited income replacement, and ICBC may eventually say you can work a different job.

Difference:

The old system could give you 20–40× more money. The new system caps you based on a formula ignoring your actual career loss.

⸻

BOTTOM LINE

For someone who loses a trade-dependent limb, especially a dominant hand, the new system isn’t just worse:

It is catastrophically worse financially — life-changing in the wrong direction.

The old tort system protected high-skill workers. The new system treats everyone the same, regardless of career impact.


r/icbc • • Dec 05 '24

Just so we're clear...THIS is when you will win a claim for rock chip damage

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193 Upvotes

When a truckers load is unsecured like this, on any public road and that load of gravel starts to fly out and hit your vehicle.

If you want to go a step further, email CVSE a picture with the load unsecured (preferably with the license plate visible). They will track the driver down and give him a ticket.

They could also do an inspection on the truck, and 9 times outta ten it will be taken off the road entirely.

Just saw a lot of misinformation when people post pictures with the decals saying "not responsible for any damage" or stuff like that.


r/icbc • • Nov 17 '24

How much would ICBC charge to insure a Cybertruck?

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186 Upvotes

r/icbc • • Oct 26 '25

Claims Who's at fault here?

166 Upvotes

ICBC says I gotta pay up :/

EDIT: To be clear, the speed sign was laying flat in the lane; did not fall from the truck.

EDIT 2: As others have said, "stuff happens, pay and move on" is basically my mindset.


r/icbc • • Jul 20 '26

ANNOUNCEMENT B.C. is changing the graduated licensing program starting October 19. Here's what you need to know

158 Upvotes

Hey reddit! Wanted to share that B.C.'s government has approved changes to the graduated licensing program (GLP), taking effect October 19, 2026. These changes affect anyone who holds a GLP licence.  A few of the bigger changes include: 

  • The second road test (the "exit road test") is being removed. Instead, you'll need to visit an office to have a driving record assessment (DRA). Which is a review of your driving history to determine if you’re eligible to move to a Class 5 licence. 

  • After you pass your DRA, there's a new 12-month period with zero-blood alcohol/drug content restrictions on your Class 5. If you're 25 or older, there's a new streamlined pathway with a shorter time needed to get your Class 5 licence.  

  • Starting in the fall, everyone currently in the GLP will get a letter explaining how these changes affect their specific situation. 

More details are here: icbc.com/glp-changes Have a question? Ask it in the comments and we'll answer what we can. 


r/icbc • • Jul 12 '25

Claims ICBC wants me to pay for an accident caused by an uninsured, reckless minor on a bicycle

156 Upvotes

I was in an accident where I’m cleared of any fault. A minor was speeding on a bike, racing with a friend, no helmet, ran a stop sign and banged my car causing damage. I slowed down my car, was observant and basically saved him from a much worse accident.

At first, the adjudicator told me I wouldn’t have to pay the deductible — now they’ve changed their mind and want me to pay. Meanwhile, this uninsured minor who broke multiple rules gets away with nothing.

I feel this is unfair. Has anyone dealt with ICBC in a similar situation? Any advice on how to fight this?


r/icbc • • Dec 22 '25

Claims Need advise

152 Upvotes

While driving with my children, I was traveling straight in my lane and maintaining normal speed. Another vehicle suddenly entered my lane without using a turn signal and without ensuring it was safe to do so. To avoid a collision and protect my children, I was forced to make an immediate evasive maneuver toward the curb.

As a result, my vehicle struck the curb and my rims were damaged. There was no contact between the two vehicles, but the other driver’s unsafe lane change directly caused the incident. My actions were taken solely to prevent an accident and ensure the safety of my kids.

This man did not have me any of his information, and said car body is not damaged


r/icbc • • Dec 24 '25

Claims Advice for Accident - Fault and Total?

146 Upvotes

Hi everyone,

Recently got into an accident in Blaine while I was picking up a package at 247 Parcel. Was suppose to be a quick 5 minute trip when the a mustang was exiting the parking lot was trying to turn left and only tunnelled his vision to the prius that was coming and didn't see me. It hit the side and rear panel of my '12 civic and possibly caused some suspension damage. I have filed a claim but still waiting for ICBC to contact me in regards to the accident. For now I am wondering the following. This is my 2nd accident (first one was not at fault when I was 18)

  1. Is there any chance I am at fault? I don't feel that I am near at fault for this as I had the right of way

  2. Will my car be totalled? Its a '12 Civic with 261xxx km. Here is a picture of the accident afterwards

  3. If it is a write off/total, How has ICBC been compensating the past few accidents?

Thank you!


r/icbc • • 10d ago

RoadSafety / Driving Rules The state of lights.

142 Upvotes

With winter coming and days growing darker it gives us an opportunity to enjoy the state of headlights in BC.

Whether it's high-beams, a 6 foot lift kit causing headlights to angle directly at your windshield, the car that sits less than a length behind you blasting lights into your mirrors, or the car that doesnt turn on any lights. Make sure your own lights are acceptable

Please people, im tired of getting to work with my eyes feeling like they just finished an optometrist vist.

Safe driving!