ICBC Auto Insurance Reviews

As a new driver, I haven’t even been driving for a year. I'm a teenager with a minimum wage job, working part-time during high school. I have had 4 cars this year, which I have paid for all my self. I have saved up for a couple of years to be able to afford a nice car. Unfortunately, 2 of the vehicles I owned this year got written off while they were parked. I was obviously not at fault. Of course, ICBC gets to decide the value of my car and the estimator was a total prick. They compared my car to a completely different model which drove the price down like crazy and when I asked them to redo it they got my estimated value off of a car with 250,000km. They ended up paying me out 4 THOUSAND less than I paid. Not only that, my quote for insurance on an Audi was $5500 for the year. (The car was $12,000). It’s ridiculous that I should get completely screwed over by others actions and have to suffer high insurance because others don’t know how to drive. ICBC is seriously the worst service I’ve ever experienced. I hope the next accident takes me out with it because it would be less painful than going through another ICBC insurance claim. ICBC is the worst company to ever exist.

A deer hit our car on August 6th, ICBC deemed it repairable, but the cost was almost as much as my car is worth, so I asked for a write-off. It is now September 26 and still no word. They are incredibly slow. I have no car, and they continue to tell me I'm still in the queue.

Takes forever to get the know about of what’s happening with your vehicle.
7-10 business days, 7-15 business days. They just keep moving the goal post on you and they don’t freaking care. Just oh well, only got one insurance provider in this province so...

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.

I was injured by a driver that was texting and driving with her 2 kids in the car. I am unable to work my 3 jobs and ICBC claims that they don’t have to pay me any income benefit replacement. I have had 3 different claims specialist and they have all been rude, lying, horrible employees with no morals. Terrible greedy company that needs to be taken away.

I have dealt with ICBC for most of my life with various cars and have found that dealing with them is a necessary evil. However, being Indigenous, I was shocked to see this truth and reconciliation nonsense being rolled out paying lip service to the Indigenous community. I come from a household of 7 and we have both cars and bicycles. My two sons and one daughter-in-law use bicycles to get to work on a daily basis. One of my sons was hit by a car on his e-bike on his way home from work in May 2023; the accident was through no fault of his. He was going through an intersection and a car was in a hurry and turned directly into him, totaling his bike. Instead of treating him as a cyclist ICBC is treating him as a vehicle and asking him to jump through so many hoops that it is months later with still no action of settling this simple and straightforward claim.
The woman who hit my son takes full responsibility for the accident.
How about reconciling with one Indigenous person by doing what you are supposed to do instead of spending probably thousands and making so-called action plans of reconciliation? Based on your track record, you are way off course on reconciliation!

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.

It was such a serious accident that a pickup truck hit my car in multiple collisions with more than four cars and the car was abandoned. Fortunately, there was no bleeding trauma, but I and my son were severely shocked as they hit the back and sides of my car hard. After about a year or so, my ICBC adjuster said I needed a doctor's note to receive more treatment, so I had a hard time getting a doctor's note as a walk-in. However, in the meantime, as the Adjuster changed, she said you can't take treatment without Kinesiology, and the Doctor's Note I received became useless.
I asked her shouldn't you give me permission to be treated at least once since I've been given a doctor's note as your former Adjuster told me to? I complained that I met a doctor and made my time spent on Doctors' notes useless, but she still said no.
I wanted acupuncture and massage treatment but I was rejected over and over again. I've even met a doctor and I'm so angry that he's handling it like this. Who can trust ICBC if I let my time go away and by any measure, it's like a light accident? I still have pain all over my body, but I'm so upset that I said I would get rid of the compensation treatment and provide treatment until the end, but I made it too difficult to get treatment after a year. The adjuster didn't consider my situation at all, and when I got the call from her at first, I felt very unfriendly throughout the phone call and sarcastically as if I were someone who offered to be treated when I was not sick. That happened earlier this year and just a few days ago she finally told me that I was not getting any more treatment.
How can an accident happen to anyone, but after a year, no more treatment? How can I solve this problem? Somebody tell me

An absolute nightmare for a company to deal with. I was t-boned back in October making a left-hand turn. I was initially given 100% fault, which was then reversed to 0% since the cab driver who hit me was driving in the bus lane. My original adjustor, Shandi, was rude to my Dad and me. She told me I should feel bad for the driver I hit, even though I did not hit anyone. Even if this accident was my fault, what kind of adjustor says that to their client? She also failed to investigate properly; if she had simply taken the time to look up the HOV signs, she would have realized the cab was not allowed to drive in that lane. I even sent her photos of the signs, making her job 10x easier. She told me the person making a left-hand turn is always at fault, which is false. The only helpful person I spoke to was Desiree, a manager who reversed my fault. ICBC is a black hole of emailing just not to get a response or waiting 2 hours on hold to speak to someone who tries cutting you short. Not to mention, I went 2 months without a courtesy car because they told me I was not eligible to drive one since I was not 21 years old. Therefore, I spent 2 months taking Uber, public transit, and getting rides with friends; all things ICBC is supposed to reimburse you for. Since my adjustor never told me I could be reimbursed for these expenses, I didn't keep any of my receipts and now am being told I cannot be compensated. I am still dealing with this accident 10 months later, with a new adjustor who is just as bad as Shandi. I don't see this being resolved for a very long time. If I could give 0 stars on this review, I would.