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BC's no-fault insurance limits

BC’s No-Fault Insurance Limits: Understanding Limits After an Accident

BC’s No-Fault Insurance Limits: What You Need to Know After an Accident

Getting into an accident can be overwhelming, especially when it comes to understanding IBC’s no-fault insurance limits. No-Fault insurance is managed by the Insurance Corporation of British Columbia (ICBC), governs what happens after an accident. Wishart Brain and Spine Law would like to help you decipher BC no-fault insurance limitations, the system, and offering actionable steps to take if you’re in an accident.

Understanding BC’s No-Fault Insurance System:

In BC, the no-fault insurance system means that regardless of who caused the accident, individuals involved can seek benefits from their own insurance provider. This system aims to expedite the claims process and reduce legal complexities. But is it the best way to compensate someone injured in a motor vehicle accident?

Limitations of BC’s No-Fault Insurance:

In BC, the no-fault insurance system means that regardless of who caused the accident, individuals involved can seek benefits from their own insurance provider. This system aims to expedite the claims process and reduce legal complexities..

Steps to Take After an Accident:

  1. Limited Right to Sue: Under this system, there are restrictions on suing for damages. Generally, you can’t sue for minor injuries; only severe or specific cases meet the criteria for legal action.
  2. Threshold for Lawsuits: In BC, a claimant can pursue legal action if the injuries surpass a certain severity threshold, involving significant impairment or impacting daily life substantially.
  3. Exclusions: Not all accidents fall under the no-fault system. Some exceptions, like accidents involving criminal behavior or incidents outside the province, might not adhere to this system.
  4. Prioritize Safety: Ensure everyone’s safety at the accident site. Seek medical attention for injuries immediately.
  5. Report to ICBC: Promptly report the accident to ICBC, providing accurate details. They will guide you through the claims process.
  6. Gather Information: Collect essential details from the scene, including contact information of involved parties and witnesses, photos, and any relevant documentation.
  7. Consult Legal Advice: Considering the limitations of the no-fault system, consulting a personal injury lawyer can help navigate complexities and determine if your case meets criteria for legal action.


No-Fault Insurance: Regardless of who caused the accident, ICBC provides coverage for medical expenses, rehabilitation, and lost wages.


  • Coverage Limits: There are limits to the coverage provided by ICBC. The coverage might not extend to cover all costs associated with a serious life-changing accident.
  • Legal Options: If the accident was caused by someone else’s negligence, you might have the option to pursue legal action beyond the insurance coverage.

The following video, featuring Robyn Wishart, explains the impact of No-Fault Insurance.

ICBC No-Fault Implications

What You Should Do After An Accident

Designate a Representative:

  • Legal Representative: Consider appointing a trusted family member or a legal representative (such as a lawyer or a family member with power of attorney) to handle your ICBC paperwork and communicate with the claims adjuster on your behalf.
  • Legal Documentation: Ensure that this representative has legally recognized authority to act on your behalf. This might involve providing a power of attorney or other legal documents to ICBC.

Support Networks:

  • Family or Friends: Rely on a support network of family or friends who can assist in understanding and managing the paperwork.
  • Healthcare Professionals: Seek guidance from healthcare professionals who can advocate for your needs and help navigate the insurance process.

ICBC Assistance:

  • Notify ICBC: Inform ICBC of your situation and inability to manage the paperwork. They might have specific protocols or accommodations in place to assist individuals in similar circumstances.

Legal Advice:

  • Consult Legal Counsel: Consider consulting with a lawyer experienced in personal injury or insurance claims. They can guide your representative or support network in handling the paperwork and ensuring your rights are protected.


  • Maintain Records: Keep records of your incapacity from medical professionals to substantiate your inability to handle the paperwork or communicate effectively.

Regular Updates:

  • Stay Informed: Even if you’re unable to directly manage the paperwork, try to stay updated on the progress of your claim through your representative. Alternatively you can speak with your support network.

Appoint someone trustworthy and legally authorized to manage your ICBC paperwork and communication. They can speak with the claims adjuster if you’re unable to do so yourself. Seek legal guidance from Wishart Brain and Spine Law can help you get the proper paper work required by ICBC. Together we can help you understand BC’s no-fault insurance limits.


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