ICBC Auto Insurance Reviews

My pregnant wife was involved in a collision for which she was not at fault.
As you can imagine, rushing to the scene of an accident involving your spouse and unborn child is super stressful. As was the 12 hours we spent in emergency to ensure our baby was okay.
Little did I know that this was the beginning of months of undue stress caused by ICBC, their poor communication, misinformation, and attempts at every opportunity to make sure they cover and compensate for as little as possible.
Although the RCMP deemed my wife not at fault at the scene of the accident, it took ICBC almost 2 months to come to the same conclusion. After 6 weeks of being told that they had not received the police report, I called the RCMP and discovered no request for the report had been submitted.
I then provided the file number and contact information to my claims rep so they had everything they needed to request the report, it took them another 2 weeks to acquire and review this report.
I reported the accident to ICBC and during this call clarified my coverage and was notified that if we were deemed to not be liable, ICBC would reimburse our rental car expenses and our deductible would not be required to be paid. But, I would need to pay for the rental upfront as liability was undetermined.
Again, before securing a rental vehicle, I had another conversation with an ICBC rep to clarify and confirm this, right down to the type of vehicle they would cover the expenses for.
Flash forward 2 months, when we arrived to pick up our vehicle (responsibility still not determined) we were charged our deductible upon pickup. Not surprising.
What is surprising is the phone call I received this morning telling us they had finally determined my wife was not liable for the accident. Great news, or so I thought.
Despite this determination, and the promises made by 2 ICBC reps, they are denying the expense claims for the rental and attempting to push the deductible onto us.
Drivers beware. Even with full coverage you should expect to pay thousands out-of-pocket, not have your vehicle for months, and be constantly avoided in communications.
We highly recommend looking for private coverage to protect you from ICBC and their horrendous customer service.
Vehicle repaired, responsibility determined, and the time commitment, battle, and stress continues.
If we could leave zero stars we would.

They will intentionally withhold wage replacement dispite severe injuries and found not at fault, until you repetitively call and beg them. Then they will act like they don't know why it didn't go thru. Scammers.

I have had brain injury, Back/spine injury and a wrist injury. 0 payout, and the wage replacement is 400$ less then what I was making before injury, which is NEVER on time. Also, don't bother calling them. They won't answer. If you miss their call, wait until next week.

Constant lack of communication.
They know they have the upper hand so they keep ignoring messages and having to cover for expenses.
My recovery specialist just decides for himself and does not follow the guidelines of ICBC. When I send links to articles and guidelines he doesn’t like it when I question things, and he shuts me down.
This should be illegal.

Regardless of whether I should bear 100% responsibility for this car accident or not, ICBC's treatment of me has been highly inappropriate. Their actions subjected me to a distressing experience, leading to both mental stress and additional physical pain.

Throughout my interaction with ICBC during the claims process, there were concerning instances of wrongful treatment and unfair practices by ICBC staff. Initially, they altered my information to place the blame entirely on me for the accident. When I discovered these discrepancies and requested corrections, they did make adjustments but continued to assert that the fault lay entirely with me. They even provided reasons to support their decision, which appeared biased.

I also have particular concerns regarding the communication and responsiveness of ICBC staff members. Their communication with me has been notably lacking in terms of timeliness and accuracy. One sent me a few emails to which I responded, but regrettably, there was no subsequent reply. Furthermore, he has not engaged in effective phone communication, resorting only to leaving voicemail messages, and he has not responded when I attempted to return his calls. Another instance is other rep, who emailed me a report detailing ICBC's work on my claim case. However, the information in her email appeared to be inaccurate, suggesting that ICBC's record-keeping processes may be less than precise.

Completely in over their head. No appointments available for the next nearly 200 days in ANY city that I could get to by car. If this company is SO incapable, why do they still monopolize BC? A complete cash-grabbing scam that we have no choice but to be involved with.