Time Limits on Advancing an ICBC Claim
Section 97 of the Insurance Vehicle Regulation under the Insurance (Vehicle) Act provides that where you claim for Part VII benefits (no fault benefits); you have certain time limits to make a claim with ICBC:
1. Where an accident occurs for which benefits are provided under this Part, the insured shall:
- Promptly give the corporation notice of the accident,
- Not later than 30 days from the date of the accident, mail to the corporation by registered mail, or deliver to the nearest claims centre of the corporation, a written report on the accident with particulars of the circumstances in which the accident occurred and the consequences of the accident, and
- Within 90 days from the date of the accident furnish the corporation with a proof of claim in a form authorized by the corporation.
2. The corporation is not liable to an insured who, to the prejudice of the corporation, fails to comply with this section.
If the accident involves a driver who you cannot identify, there are similar time limits involved. Please review the section on hit-and-run claims.
Please note that you have a two-year limitation period after the accident to commence a lawsuit against the at-fault driver for compensation for injuries. You have a two-year limitation period after the accident, or after the last payment under Part VII, to bring a lawsuit against ICBC to force payment of Part VII benefits.
In summary, when you are involved in an accident, whether it is in British Columbia or otherwise, the best thing to do is make a claim to ICBC as soon as possible.