ICBC Auto Insurance Reviews

One year my insurance is 251$ a month then it’s 785$ a month for one minor at-fault claim that there was no physical damage to either car, minor as they get. No one asked for photos of my car or anything. I’ve talked to at least 4 different brokers now and no one knows what is going on. ICBC are thieves and will do anything to screw you over. They are making it impossible for people to afford insurance in BC!

I was rear ended by a motor home while stopped at a light in May of 1989. I suffered a whiplash injury. I went through the typical assessment of different doctors and adjusters. I called a lawyer at the the time because I felt I would be better served. The claim took under a year (was paid in Feb. of '90) and got a total settlement of just under 15k. However that injury has never healed properly as it is mostly soft tissue. As I am aging this condition is getting worse. It doesn't really matter if ICBC is the scam of the century (which clearly it is), without a properly functioning body that is in pain, what's the difference? The people that administrate these places are the types that permeate this dysfunctional, exploitive society of juvenilized people. It is time to bring back the rule of law on this land.

NEVER ever deal with them if you can choose otherwise. This is the worst government company that was set up in the history of mankind. If you have the misfortune to have to deal with them, I'd say get ready for the worst experience of your life.
They will basically extort money from you in every possible way without showing anything from it. Any conversation with customer service or representatives is reduced to "You have to PAY us big, deal with it"
I know this is a bit generic, but I am summing up all my experiences I had along the years with them. I had fender benders (both my fault and 3rd party). Everytime I had to pay big money to ..., you guessed, ICBC.
Insurance company should not be forced upon and shoved down your throat like nazi Germany. Everybody should be able to choose their own insurance company. I totally agree that everyone should be insured, but not by money thirtsy, greedy zealots. Not only that, but they make you feel miserable on any and every occasion they get a chance.
HORRIBLE, HORRIBLE, HORRIBLE. Can't state enough how ICBC should just desist from doing any kind of business. If ICBC would have to compete with ANY insurance company they will be bankrupt within a few days.

my car was backed into my own driveway, i was hit and run. i pay for collision on my car. and someone smashed up all entire front bumper and grill, i called icbc and they said if it happens in a private driveway there is nothing i can do to fix this. i would have to pay for all the damage myself when someone else hit me. Why are we paying for collision when we still have to pay in the end.
I'm not happy with icbc an I'm glad ill be moving out of BC. I pay big money for what ???? Done with these stupid people that don't have the decency see to tell me they hit me. this has to come out of my own pocket, when i wasn't at fault.

My first week moving to Vancouver I had out of province insurance. A BC resident hit my car, caused a lot of damage. ICBC would not take a look at both cars to compare and prove BC resident hit my car. They told me first to get it repaired under my insurance and then they would assess accident. After getting my car repaired under my insurance ICBC states they can not determine if BC resident was at fault. Unbelievable! I had to pay my deductible of $500 and I was not at fault.

We're supposed to have laws that stop big corporations from forcing us to buy their products or services. All I do is pay more and get less with no other option

The FastCat Ferries was a big one. Air Care was almost the biggest but ICBC takes the cake. You cannot have an efficient or fair service when there's only one choice. We're supposed to have laws that prevent this from happening. If you drive in BC, you have to buy their insurance, that's the law. If you could only buy groceries from Safeway or only get a cell phone from Telus, people would be up in arms. How's auto insurance any different? Their rate hikes will always be more than any progress you make on their 'claim-rated scale' by being a safe driver. They will hand out employee bonuses however they want with ridiculous salaries, especially to the losers up top. But don't expect anything for being a loyal customer. Pay up!

Basic insurance covers almost nothing. You have to always buy "extra" stuff just to get a reasonable insurance package. And they always up-sell product with scare tactics. "Someone got sued for 5 mil, so you have to have it", for extra because the basic insurance is crap. "If you hit a Hydro pole you'll have to pay for replacing the pole unless you have collision", another scare tactic that just proves the basic coverage is junk. Then when you do have a claim, and you have all the insurance, they let you fight it out with their "accredited" body shop when the body shop does poor work. So I'm on my own to deal with the poor quality of body work? As a customer, ICBC should have your back and make sure your car is fixed properly. They do not have your back, believe me. I don't think ICBC'c top executives deserve their $500,000 pay-check.

I was rear-ended while driving a Porsche 924, which has been shown can take up to a 15 mile per hour rear impact without suffering any damage. ICBC said because my car was not damaged, even though the girl who hit me had $900 damage to her front bumper, ICBC denied me any money to cover my out-of pocket costs for pain killers, muscle relaxants, physio-therapy, massage therapy and acupuncture. They even sent me to a specialist who confirmed that I had no previous neck or spinal injury prior to the day of the accident and paid him $800 for the report. Over a 2.5 year period they paid their lawyers thousands to battle a claim that I would have accepted $1200 for, which would have simply covered my expenses. I told their female head lawyer I would settle for just what I paid out of pocket and they still denied me everything, and taking them to Small Claims Court was a complete waste of time because the judge did nothing on 4 different dates. I finally moved back to Alberta and said screw it, but since the case went to Supreme Court and I failed to file the amount I was suing them for on time, their lawyers got a dismissal and filed a failure to disclose case against me and now want me to pay them $800! Over the years they have sent me a dozen invoices and letters but I will NEVER pay them a penny! ICBC is the definition of Organized Crime. They are the worst insurance company you can ever deal with when it comes to an injury accident. That's what happens when you create a Monster Monopoly.