https://wiki.clicklaw.bc.ca/index.php?action=history&feed=atom&title=Introduction_to_ICBC_Automobile_Insurance_%2812%3AI%29Introduction to ICBC Automobile Insurance (12:I) - Revision history2026-05-15T12:52:10ZRevision history for this page on the wikiMediaWiki 1.43.3https://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=61868&oldid=prevLSLAP at 19:22, 13 October 20252025-10-13T19:22:59Z<p></p>
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</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=60989&oldid=prevLSLAP at 01:39, 19 September 20252025-09-19T01:39:01Z<p></p>
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</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=58447&oldid=prevLSLAP at 17:45, 7 August 20242024-08-07T17:45:26Z<p></p>
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</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=58286&oldid=prevLSLAP at 19:41, 6 August 20242024-08-06T19:41:01Z<p></p>
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">Revision as of 19:41, 6 August 2024</td>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>As of May 1, 2021, ICBC switched to a primarily no-fault system, known as '''Enhanced Care'''. This represents one of the biggest changes to the ICBC insurance system since its inception. </div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>As of May 1, 2021, ICBC switched to a primarily no-fault system, known as '''Enhanced Care'''. This represents one of the biggest changes to the ICBC insurance system since its inception. </div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>Under the former ICBC system, claims were handled through a mix of litigation and no-fault benefits. Although certain benefits were awarded regardless of the fault of the parties, in other situations one party could negotiate for compensation related to various claims, like non-pecuniary damages and loss of future income. These claims were awarded based on fault for the Accident and often a party would need to hire a lawyer and commence litigation in order to receive them. </div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>Under the former ICBC system, claims were handled through a mix of litigation and no-fault benefits. Although certain benefits were awarded regardless of the fault of the parties, in other situations one party could negotiate for compensation related to various claims, like non-pecuniary damages and loss of future income. These claims were awarded based on fault for the Accident<ins style="font-weight: bold; text-decoration: none;">, </ins>and often a party would need to hire a lawyer and commence litigation in order to receive them. </div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. The no-fault system means that insured parties will file a claim directly with ICBC and will be compensated for specific damages (like medical treatment and wage loss) directly by the insurer, regardless of whether or not they were at fault for the accident. They will no longer be compensated for more speculative damages like loss of future income or non-pecuniary damages. ICBC still internally assigns fault to the parties when assessing claims to determine changes to premiums, but fault does not need to be shown to access injury compensation.</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. The no-fault system means that insured parties will file a claim directly with ICBC and will be compensated for specific damages (like medical treatment and wage loss) directly by the insurer, regardless of whether or not they were at fault for the accident. They will no longer be compensated for more speculative damages like loss of future income or non-pecuniary damages. ICBC still internally assigns fault to the parties when assessing claims to determine changes to premiums, but fault does not need to be shown to access injury compensation.</div></td></tr>
</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=58260&oldid=prevLSLAP at 16:51, 6 August 20242024-08-06T16:51:01Z<p></p>
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">Revision as of 16:51, 6 August 2024</td>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. The no-fault system means that insured parties will file a claim directly with ICBC and will be compensated for specific damages (like medical treatment and wage loss) directly by the insurer, regardless of whether or not they were at fault for the accident. They will no longer be compensated for more speculative damages like loss of future income or non-pecuniary damages. ICBC still internally assigns fault to the parties when assessing claims to determine changes to premiums, but fault does not need to be shown to access injury compensation.</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. The no-fault system means that insured parties will file a claim directly with ICBC and will be compensated for specific damages (like medical treatment and wage loss) directly by the insurer, regardless of whether or not they were at fault for the accident. They will no longer be compensated for more speculative damages like loss of future income or non-pecuniary damages. ICBC still internally assigns fault to the parties when assessing claims to determine changes to premiums, but fault does not need to be shown to access injury compensation.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to the Enhanced Care system. Parts III - VII of this chapter outlines benefits under this new system'''. <del style="font-weight: bold; text-decoration: none;">However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please </del>be aware that ICBC may make changes and clarifications to the system as it is implemented that are not reflected in this manual.</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to the Enhanced Care system. Parts III - VII of this chapter outlines benefits under this new system'''. <ins style="font-weight: bold; text-decoration: none;">Please </ins>be aware that ICBC may make changes and clarifications to the system as it is implemented that are not reflected in this manual.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>'''The new Enhanced Care system does not apply to claims for accidents that occurred on or before April 30, 2021. For claims that occurred before this date, please see Parts VIII onwards of this chapter''', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>'''The new Enhanced Care system does not apply to claims for accidents that occurred on or before April 30, 2021. For claims that occurred before this date, please see Parts VIII onwards of this chapter''', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td></tr>
</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=58259&oldid=prevLSLAP at 16:50, 6 August 20242024-08-06T16:50:15Z<p></p>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>As of May 1, 2021, ICBC switched to a primarily no-fault system, known as Enhanced Care. This represents one of the biggest changes to the ICBC insurance system since its inception. </div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>As of May 1, 2021, ICBC switched to a primarily no-fault system, known as <ins style="font-weight: bold; text-decoration: none;">'''</ins>Enhanced Care<ins style="font-weight: bold; text-decoration: none;">'''</ins>. This represents one of the biggest changes to the ICBC insurance system since its inception. </div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Under the former ICBC system, claims were handled through a mix of litigation and no-fault benefits. Although certain benefits were awarded regardless of the fault of the parties, in other situations one party could negotiate for compensation related to various claims, like non-pecuniary damages and loss of future income. These claims were awarded based on fault for the Accident and often a party would need to hire a lawyer and commence litigation in order to receive them. </div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>Under the former ICBC system, claims were handled through a mix of litigation and no-fault benefits. Although certain benefits were awarded regardless of the fault of the parties, in other situations one party could negotiate for compensation related to various claims, like non-pecuniary damages and loss of future income. These claims were awarded based on fault for the Accident and often a party would need to hire a lawyer and commence litigation in order to receive them. </div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. The <del style="font-weight: bold; text-decoration: none;">new </del>no-fault system means that insured parties will file a claim directly with ICBC <del style="font-weight: bold; text-decoration: none;">in the vast majority of cases, </del>and will be compensated for <del style="font-weight: bold; text-decoration: none;">injuries </del>directly by the insurer, regardless of whether or not they were at fault. ICBC <del style="font-weight: bold; text-decoration: none;">will </del>still internally <del style="font-weight: bold; text-decoration: none;">assign </del>fault to the parties when assessing claims <del style="font-weight: bold; text-decoration: none;">in order </del>to determine changes to premiums, but fault <del style="font-weight: bold; text-decoration: none;">will </del>not need to be shown to access injury compensation.</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. The no-fault system means that insured parties will file a claim directly with ICBC and will be compensated for <ins style="font-weight: bold; text-decoration: none;">specific damages (like medical treatment and wage loss) </ins>directly by the insurer, regardless of whether or not they were at fault <ins style="font-weight: bold; text-decoration: none;">for the accident. They will no longer be compensated for more speculative damages like loss of future income or non-pecuniary damages</ins>. ICBC still internally <ins style="font-weight: bold; text-decoration: none;">assigns </ins>fault to the parties when assessing claims to determine changes to premiums, but fault <ins style="font-weight: bold; text-decoration: none;">does </ins>not need to be shown to access injury compensation.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to <del style="font-weight: bold; text-decoration: none;">this new no-fault system, known as </del>Enhanced Care. Parts III - VII of this chapter outlines benefits under this new system'''. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as <del style="font-weight: bold; text-decoration: none;">they roll </del>it <del style="font-weight: bold; text-decoration: none;">out </del>that are not reflected in this manual.</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to <ins style="font-weight: bold; text-decoration: none;">the </ins>Enhanced Care <ins style="font-weight: bold; text-decoration: none;">system</ins>. Parts III - VII of this chapter outlines benefits under this new system'''. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as it <ins style="font-weight: bold; text-decoration: none;">is implemented </ins>that are not reflected in this manual.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>'''The new Enhanced Care system does not apply to claims for accidents that occurred on or before April 30, 2021. For claims that occurred before this date, please see Parts VIII onwards of this chapter''', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>'''The new Enhanced Care system does not apply to claims for accidents that occurred on or before April 30, 2021. For claims that occurred before this date, please see Parts VIII onwards of this chapter''', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td></tr>
</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=58181&oldid=prevLSLAP at 20:49, 2 August 20242024-08-02T20:49:13Z<p></p>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>{{LSLAP Manual TOC|expanded = ICBC}}</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>{{LSLAP Manual TOC|expanded = ICBC}}</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>As of May 1, 2021, ICBC switched to a primarily no-fault system. This represents one of the biggest changes to the ICBC insurance system since its inception. </div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>As of May 1, 2021, ICBC switched to a primarily no-fault system<ins style="font-weight: bold; text-decoration: none;">, known as Enhanced Care</ins>. This represents one of the biggest changes to the ICBC insurance system since its inception. </div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>Under the former ICBC system, claims were handled through a mix of litigation and no-fault benefits. <del style="font-weight: bold; text-decoration: none;">This meant that, while </del>certain benefits were awarded regardless of the fault of the parties, in other situations one party <del style="font-weight: bold; text-decoration: none;">in an accident would need </del>to <del style="font-weight: bold; text-decoration: none;">take </del>the <del style="font-weight: bold; text-decoration: none;">other </del>party to <del style="font-weight: bold; text-decoration: none;">court </del>in order to <del style="font-weight: bold; text-decoration: none;">gain access to compensation through the other party’s insurance. Under the new system, the vast majority of all claims are handled on a no-fault basis, with some limited exceptions</del>.</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>Under the former ICBC system, claims were handled through a mix of litigation and no-fault benefits. <ins style="font-weight: bold; text-decoration: none;">Although </ins>certain benefits were awarded regardless of the fault of the parties, in other situations one party <ins style="font-weight: bold; text-decoration: none;">could negotiate for compensation related </ins>to <ins style="font-weight: bold; text-decoration: none;">various claims, like non-pecuniary damages and loss of future income. These claims were awarded based on fault for </ins>the <ins style="font-weight: bold; text-decoration: none;">Accident and often a </ins>party <ins style="font-weight: bold; text-decoration: none;">would need </ins>to <ins style="font-weight: bold; text-decoration: none;">hire a lawyer and commence litigation </ins>in order to <ins style="font-weight: bold; text-decoration: none;">receive them</ins>. </div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>The new no-fault system means that insured parties will file a claim directly with ICBC in the vast majority of cases, and will be compensated for injuries directly by the insurer, regardless of whether or not they were at fault. ICBC will still internally assign fault to the parties when assessing claims in order to determine changes to premiums, but fault will not need to be shown to access injury compensation.</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">Under the new system, the vast majority of claims are handled on a no-fault basis, with some limited exceptions. </ins>The new no-fault system means that insured parties will file a claim directly with ICBC in the vast majority of cases, and will be compensated for injuries directly by the insurer, regardless of whether or not they were at fault. ICBC will still internally assign fault to the parties when assessing claims in order to determine changes to premiums, but fault will not need to be shown to access injury compensation.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to this new no-fault system, known as Enhanced Care. Parts III - VII of this chapter outlines benefits under this new system'''. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as they roll it out that are not reflected in this manual.</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to this new no-fault system, known as Enhanced Care. Parts III - VII of this chapter outlines benefits under this new system'''. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as they roll it out that are not reflected in this manual.</div></td></tr>
</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=55949&oldid=prevLSLAP at 18:30, 1 August 20232023-08-01T18:30:01Z<p></p>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>{{LSLAP Manual TOC|expanded = ICBC}}</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>{{LSLAP Manual TOC|expanded = ICBC}}</div></td></tr>
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</table>LSLAPhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=53887&oldid=prevClicklaw Editor at 20:14, 6 October 20222022-10-06T20:14:21Z<p></p>
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">Revision as of 20:14, 6 October 2022</td>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>The new no-fault system means that insured parties will file a claim directly with ICBC in the vast majority of cases, and will be compensated for injuries directly by the insurer, regardless of whether or not they were at fault. ICBC will still internally assign fault to the parties when assessing claims in order to determine changes to premiums, but fault will not need to be shown to access injury compensation.</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>The new no-fault system means that insured parties will file a claim directly with ICBC in the vast majority of cases, and will be compensated for injuries directly by the insurer, regardless of whether or not they were at fault. ICBC will still internally assign fault to the parties when assessing claims in order to determine changes to premiums, but fault will not need to be shown to access injury compensation.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div><del style="font-weight: bold; text-decoration: none;">''</del>'''All claims for accidents occurring on or after May 1, 2021 are subject to this new no-fault system<del style="font-weight: bold; text-decoration: none;">'''''</del>, known as Enhanced Care. <del style="font-weight: bold; text-decoration: none;">''</del>Parts III - VII of this chapter<del style="font-weight: bold; text-decoration: none;">'' </del>outlines benefits under this new system. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as they roll it out that are not reflected in this manual.</div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>'''All claims for accidents occurring on or after May 1, 2021 are subject to this new no-fault system, known as Enhanced Care. Parts III - VII of this chapter outlines benefits under this new system<ins style="font-weight: bold; text-decoration: none;">'''</ins>. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as they roll it out that are not reflected in this manual.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>The new Enhanced Care system <del style="font-weight: bold; text-decoration: none;">'''''</del>does not apply to claims for accidents that occurred on or before April 30, 2021.<del style="font-weight: bold; text-decoration: none;">''''' </del>For claims that occurred before this date, please see <del style="font-weight: bold; text-decoration: none;">''</del>Parts VIII onwards of this chapter'', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div><ins style="font-weight: bold; text-decoration: none;">'''</ins>The new Enhanced Care system does not apply to claims for accidents that occurred on or before April 30, 2021. For claims that occurred before this date, please see Parts VIII onwards of this chapter<ins style="font-weight: bold; text-decoration: none;">'</ins>'', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td></tr>
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</table>Clicklaw Editorhttps://wiki.clicklaw.bc.ca/index.php?title=Introduction_to_ICBC_Automobile_Insurance_(12:I)&diff=53886&oldid=prevClicklaw Editor at 20:12, 6 October 20222022-10-06T20:12:48Z<p></p>
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<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">← Older revision</td>
<td colspan="2" style="background-color: #fff; color: #202122; text-align: center;">Revision as of 20:12, 6 October 2022</td>
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<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>The new no-fault system means that insured parties will file a claim directly with ICBC in the vast majority of cases, and will be compensated for injuries directly by the insurer, regardless of whether or not they were at fault. ICBC will still internally assign fault to the parties when assessing claims in order to determine changes to premiums, but fault will not need to be shown to access injury compensation.</div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>The new no-fault system means that insured parties will file a claim directly with ICBC in the vast majority of cases, and will be compensated for injuries directly by the insurer, regardless of whether or not they were at fault. ICBC will still internally assign fault to the parties when assessing claims in order to determine changes to premiums, but fault will not need to be shown to access injury compensation.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker" data-marker="−"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #ffe49c; vertical-align: top; white-space: pre-wrap;"><div>'''''All claims for accidents occurring on or after May 1, 2021 are subject to this new no-fault system''''', known as Enhanced Care. ''Parts III - VII of this chapter'' outlines benefits under this new system. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), <del style="font-weight: bold; text-decoration: none;">''</del>please be aware that ICBC may make changes and clarifications to the system as they roll it out that are not reflected in this manual.<del style="font-weight: bold; text-decoration: none;">''</del></div></td><td class="diff-marker" data-marker="+"></td><td style="color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #a3d3ff; vertical-align: top; white-space: pre-wrap;"><div>'''''All claims for accidents occurring on or after May 1, 2021 are subject to this new no-fault system''''', known as Enhanced Care. ''Parts III - VII of this chapter'' outlines benefits under this new system. However, because this chapter was written in June of 2022 (shortly after the introduction of the Enhanced Care system), please be aware that ICBC may make changes and clarifications to the system as they roll it out that are not reflected in this manual.</div></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><br></td></tr>
<tr><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>The new Enhanced Care system '''''does not apply to claims for accidents that occurred on or before April 30, 2021.''''' For claims that occurred before this date, please see ''Parts VIII onwards of this chapter'', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td><td class="diff-marker"></td><td style="background-color: #f8f9fa; color: #202122; font-size: 88%; border-style: solid; border-width: 1px 1px 1px 4px; border-radius: 0.33em; border-color: #eaecf0; vertical-align: top; white-space: pre-wrap;"><div>The new Enhanced Care system '''''does not apply to claims for accidents that occurred on or before April 30, 2021.''''' For claims that occurred before this date, please see ''Parts VIII onwards of this chapter'', which outlines the former system as it existed prior to the introduction of Enhanced Care. </div></td></tr>
</table>Clicklaw Editor