What are No-Fault / Part VII Benefits

Every British Columbian, with the purchase of ICBC insurance, is in essence also purchasing coverage for medical expenses, rehabilitation expenses, death benefits and wage loss benefits for himself/ herself and also for family members. These benefits are available regardless of who is at fault for an accident. Hence, the benefits are labelled “No-Fault Benefits”.

The actual coverage for these benefits is set out in Part VII of the Regulations to the Insurance (Vehicle) Act, hence the label “Part VII Benefits”.

The amount of the Part VII coverage is currently set at a maximum of $150,000. This $150,000 is in addition to the coverage provided by the BC Hospital Plan for hospital treatment and in addition to the coverage provided by the Medical Services Plan for medical treatment. Note that this maximum was set well over a decade ago and has never been adjusted upward for inflation.