ICBC Enhanced Care System (Current Model) (12:III) - Revision history

LSLAP at 19:23, 13 October 2025

2025-10-13T19:23:13Z

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LSLAP: /* a) Healthcare and Rehabilitation */

2025-09-28T23:26:54Z

a) Healthcare and Rehabilitation

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	* Psychology.		* Psychology.

	Note that there are certain prescribed fee and appointment quantity caps for each of these treatments, which vary depending on the treatment type (see ''EABR'', s 19, Tables 1, 2, 3). Once the 12-week post-accident period and/or the number of pre-authorized appointments have elapsed, the insured must show that additional treatment is needed either, “to facilitate the insured’s recovery from the insured’s bodily injury” (''EABR'', s 19(3)(a)), or to, “address a decline in the insured’s physical or mental function because of the insured’s bodily injury” (''EABR'', s 19(3)(b)). Lump sum benefits for “unspecified” future treatments will not be provided ([https://www.canlii.org/en/bc/bccrt/doc/2023/2023bccrt1094/2023bccrt1094.html?autocompleteStr=nawa%20v%20&autocompletePos=3&resultId=30fb916d12034d3bab45ff5ea5dd3f90&searchId=2024-08-06T13:59:13:001/~~b3e9c2ce1ee54c3289af64f87b1e111b''Nawa~~ v Insurance Corporation of British Columbia'', 2023 BCCRT 1094]).		Note that there are certain prescribed fee and appointment quantity caps for each of these treatments, which vary depending on the treatment type (see ''EABR'', s 19, Tables 1, 2, 3). Once the 12-week post-accident period and/or the number of pre-authorized appointments have elapsed, the insured must show that additional treatment is needed either, “to facilitate the insured’s recovery from the insured’s bodily injury” (''EABR'', s 19(3)(a)), or to, “address a decline in the insured’s physical or mental function because of the insured’s bodily injury” (''EABR'', s 19(3)(b)). Lump sum benefits for “unspecified” future treatments will not be provided (''[https://www.canlii.org/en/bc/bccrt/doc/2023/2023bccrt1094/2023bccrt1094.html?autocompleteStr=nawa%20v%20&autocompletePos=3&resultId=30fb916d12034d3bab45ff5ea5dd3f90&searchId=2024-08-06T13:59:13:001/b3e9c2ce1ee54c3289af64f87b1e111bNawa v Insurance Corporation of British Columbia]'', 2023 BCCRT 1094).

	Various prosthetics, other medical equipment, and certain prescription and non-prescription medications are also covered by this benefit (''EABR'', s 21(1) and (4), and s 23), as are, “ambulance services from the scene of the accident” in certain prescribed circumstances (''EABR'', s 20).		Various prosthetics, other medical equipment, and certain prescription and non-prescription medications are also covered by this benefit (''EABR'', s 21(1) and (4), and s 23), as are, “ambulance services from the scene of the accident” in certain prescribed circumstances (''EABR'', s 20).

LSLAP: /* C. Basic Vehicle Damage Coverage */

2025-09-22T05:45:42Z

C. Basic Vehicle Damage Coverage

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	When indemnification is provided for basic vehicle damage, “[t]he total value of indemnification…must be reduced by the extent to which, expressed as a percentage, (a) the owner and the operator of the insured's eligible vehicle and a person in a prescribed class of persons is responsible for the accident, and (b) another person whose name is not ascertainable is responsible for the accident” (''IVA'', ss 174(4) and 175(4)). This means that the insured is only indemnified in accordance with the percentage amount for which they are found to be not responsible for the accident (i.e. if an insured fully responsible for the crash, they are not indemnified under this coverage). If there is another unknown person who is not responsible for the accident, indemnification is also reduced accordingly.		When indemnification is provided for basic vehicle damage, “[t]he total value of indemnification…must be reduced by the extent to which, expressed as a percentage, (a) the owner and the operator of the insured's eligible vehicle and a person in a prescribed class of persons is responsible for the accident, and (b) another person whose name is not ascertainable is responsible for the accident” (''IVA'', ss 174(4) and 175(4)). This means that the insured is only indemnified in accordance with the percentage amount for which they are found to be not responsible for the accident (i.e. if an insured fully responsible for the crash, they are not indemnified under this coverage). If there is another unknown person who is not responsible for the accident, indemnification is also reduced accordingly.

	The indemnification provided for damage to or loss of an eligible vehicle is capped at $200,000 (''Basic Vehicle Damage Coverage Regulation'', BC Reg 4/2021, s 15(2), [''BVDCR'']).		The indemnification provided for damage to or loss of an eligible vehicle is capped at $200,000 (''Basic Vehicle Damage Coverage Regulation'', BC Reg 4/2021, s 15(2), [''BVDCR'']). Indemnification is also provided for, “reasonable expenses incurred by the insured for loss of use in relation to the eligible vehicle in respect of the following: (a) hiring passenger directed vehicles; (b) using public transportation; (c) renting a substitute vehicle that is similar to the eligible vehicle, with the corporation's approval; [and] (d) using other alternative transportation with the corporation's approval” (''BVDCR'', s 18(2)), though this indemnification for passenger directed vehicles and public transportation does not apply if these expenses, “exceed expenses that would have been indemnified for renting a substitute vehicle that is similar to the eligible vehicle” (''BVDCR'', s 18(3)).

	Indemnification is also provided for, “reasonable expenses incurred by the insured for loss of use in relation to the eligible vehicle in respect of the following: (a) hiring passenger directed vehicles; (b) using public transportation; (c) renting a substitute vehicle that is similar to the eligible vehicle, with the corporation's approval; [and] (d) using other alternative transportation with the corporation's approval” (''BVDCR'', s 18(2)), though this indemnification for passenger directed vehicles and public transportation does not apply if these expenses, “exceed expenses that would have been indemnified for renting a substitute vehicle that is similar to the eligible vehicle” (''BVDCR'', s 18(3)).

	==D. Basic Third-Party Liability==		==D. Basic Third-Party Liability==

LSLAP: /* e) Permanent Impairment */

2025-09-22T05:45:04Z

e) Permanent Impairment

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	:(''Permanent Impairment Regulation'', BC Reg 61/2021, s 3 [''PIR''])</blockquote>		:(''Permanent Impairment Regulation'', BC Reg 61/2021, s 3 [''PIR''])</blockquote>

	Catastrophic injury is defined in detail in s 2 of the ''PIR''. Detailed information on the above calculations can be found in the ''~~PIR~~''.		Catastrophic injury is defined in detail in s 2 of the ''PIR''. Detailed information on the above calculations can be found in the ''Permanent Impairment Regulation''.

	The Enhanced Care system also includes a recreation benefit for those who are permanently impaired as a result of their injuries. This benefit provides support for the insured to participate in certain recreational activities following their injury. Note that this benefit is only available to those with a “catastrophic injury” or those “with a permanent impairment rating of 20% or more as determined in accordance with the Permanent Impairment Regulation” (''EABR'', s 36(2)). The dollar amount awarded for this benefit correlates to the percentage degree to which the insured is deemed to be permanently impaired (''EABR'', s 36(7)).		The Enhanced Care system also includes a recreation benefit for those who are permanently impaired as a result of their injuries. This benefit provides support for the insured to participate in certain recreational activities following their injury. Note that this benefit is only available to those with a “catastrophic injury” or those “with a permanent impairment rating of 20% or more as determined in accordance with the Permanent Impairment Regulation” (''EABR'', s 36(2)). The dollar amount awarded for this benefit correlates to the percentage degree to which the insured is deemed to be permanently impaired (''EABR'', s 36(7)).

LSLAP: /* a) Accidents at Work */

2025-09-22T05:39:57Z

a) Accidents at Work

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	==== a) Accidents at Work ====		==== a) Accidents at Work ====
	All vehicle accidents that occur in the course of employment (i.e. driving a company vehicle as part of a work-related task) must be reported to WorkSafe BC (WSBC) (''IVA'', s 122(1); IVR, s 82(1)). WSBC is the primary insurer for all workplace injuries, including those involving motor vehicles, and will provide coverage accordingly. Although it is sometimes difficult to determine whether an injury occurred in the “course of employment,” particularly those involving motor vehicles, it is good practice to submit a WSBC claim even if that claim will ultimately not proceed. Not submitting a claim to WSBC could result in an injured party not receiving the full extent of benefits they are entitled to (IVR, s 82(2)). Please see [[https://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_Workers%27_Compensation_(7:I) Chapter 7: Workers' Compensation]] for more information about workers’ compensation claims.		All vehicle accidents that occur in the course of employment (i.e. driving a company vehicle as part of a work-related task) must be reported to WorkSafe BC (WSBC) (''IVA'', s 122(1); IVR, s 82(1)). WSBC is the primary insurer for all workplace injuries, including those involving motor vehicles, and will provide coverage accordingly. Although it is sometimes difficult to determine whether an injury occurred in the “course of employment,” particularly those involving motor vehicles, it is good practice to submit a WSBC claim even if that claim will ultimately not proceed. Not submitting a claim to WSBC could result in an injured party not receiving the full extent of benefits they are entitled to (IVR, s 82(2)). Please see [https://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_Workers%27_Compensation_(7:I) Chapter 7: Workers' Compensation] for more information about workers’ compensation claims.

	However, all motor vehicle accidents at work should also be reported to ICBC as soon as possible. ICBC is the secondary insurer in these circumstances and may be able to provide coverage and benefits if a claimant requires additional treatment that WSBC does not cover (''IVA'', s 122(2); ''IVR'', s 82(1)).		However, all motor vehicle accidents at work should also be reported to ICBC as soon as possible. ICBC is the secondary insurer in these circumstances and may be able to provide coverage and benefits if a claimant requires additional treatment that WSBC does not cover (''IVA'', s 122(2); ''IVR'', s 82(1)).

Nate Russell: 2025 Simplification Adjustment by Admin

2025-09-09T20:13:03Z

2025 Simplification Adjustment by Admin

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	~~{{LSLAP 12 New System Notice}}~~
			== Claims for Accidents On or After May 1, 2021==
			Please note that the following portion of this chapter is meant to serve as a basic primer covering some of the key principles of the new ICBC system, which applies to claims for accidents occurring on or after May 1, 2021. Given that this no-fault system is new as of May 1, 2021, there are still certain portions of it that are being clarified, or that may adapt with implementation.

			'''This section applies to all claims for accidents that occurred on or after May 1, 2021. '''

	== A. Basic Coverage ==		== A. Basic Coverage ==

LSLAP at 17:45, 7 August 2024

2024-08-07T17:45:45Z

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	{{LSLAP 12 New System Notice}}		{{LSLAP 12 New System Notice}}

LSLAP: /* 2. Uninsured or Hit and Run Accidents in Nunavut, the Yukon, Northwest Territories or United States of America */

2024-08-06T22:26:01Z

2. Uninsured or Hit and Run Accidents in Nunavut, the Yukon, Northwest Territories or United States of America

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	* If the insured was operating a vehicle without the consent of the vehicle’s owner;		* If the insured was operating a vehicle without the consent of the vehicle’s owner;
	* If the insured fails to comply with s 148(4)(b) '''to the prejudice of ICBC'''. Under section 148(4)(b) of the IVR, the insured:		* If the insured fails to comply with s 148(4)(b) '''to the prejudice of ICBC'''. Under section 148(4)(b) of the IVR, the insured:
	:* ~~must~~ file a copy of the originating process with ICBC within 60 days of the action commencing; '''and'''		:* Must file a copy of the originating process with ICBC within 60 days of the action commencing; '''and'''
	:* ~~must~~ not settle a claim without the written consent of ICBC (''IVR'', s 148(4)).		:* Must not settle a claim without the written consent of ICBC (''IVR'', s 148(4)).

	===3. Underinsured Motorists===		===3. Underinsured Motorists===

LSLAP: /* e) Permanent Impairment */

2024-08-06T22:25:40Z

e) Permanent Impairment

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	:(b) Determining the insured's permanent impairment rating in accordance with section 4; and		:(b) Determining the insured's permanent impairment rating in accordance with section 4; and
	:(c) Determining the compensation that corresponds to, as applicable;		:(c) Determining the compensation that corresponds to, as applicable;
	::(i) ~~the~~ catastrophic injury in accordance with section 8 [permanent impairment compensation calculation — catastrophic injury]; or		::(i) The catastrophic injury in accordance with section 8 [permanent impairment compensation calculation — catastrophic injury]; or
	::(ii) ~~the~~ permanent impairment rating in accordance with section 9 [permanent impairment compensation calculation — non-catastrophic injury].</blockquote>		::(ii) The permanent impairment rating in accordance with section 9 [permanent impairment compensation calculation — non-catastrophic injury].</blockquote>
	:(''Permanent Impairment Regulation'', BC Reg 61/2021, s 3 [''PIR''])</blockquote>		:(''Permanent Impairment Regulation'', BC Reg 61/2021, s 3 [''PIR''])</blockquote>

LSLAP: /* c) Income Replacement Benefit */

2024-08-06T22:25:14Z

c) Income Replacement Benefit

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	:(a) An insured is employed at one employment for not less than 28 hours, not including overtime hours, in each week of the year preceding the date of the accident, or		:(a) An insured is employed at one employment for not less than 28 hours, not including overtime hours, in each week of the year preceding the date of the accident, or
	:(b) An insured is employed at one employment;		:(b) An insured is employed at one employment;
	::(i) ~~for~~ not less than 28 hours per week, not including overtime hours; and		::(i) For not less than 28 hours per week, not including overtime hours; and
	::(ii) ~~for~~ not less than 2 years with periods of work not less than 8 months in duration and with gaps between periods of work not more than 4 months.		::(ii) For not less than 2 years with periods of work not less than 8 months in duration and with gaps between periods of work not more than 4 months.

	''“part-time basis”'', in respect of employment, means an insured is employed for less than 28 hours per week, not including overtime hours;		''“part-time basis”'', in respect of employment, means an insured is employed for less than 28 hours per week, not including overtime hours;