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.

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 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!

Complete nightmare... I was Broadsided (t-boned) on the driver's side. Another car ran a stop sign at high speed, and both cars are totalled. The driver got out and ran came back and said he wasn't the driver. ICBC is a maze of deception and gives you the run around for months. I am very injured with no compensation at all for pain/suffering. No-fault is only good for the person who causes accidents. Would never choose ICBC if there was any other choice. Get rid of them

Was rear ended at a red light, person at fault claimed i reversed into them - icbc sided with the claimant and denied my claim. I provided telemetry and gps data numerous times proving my vehicle was stationary and they continued to come up with new excuses to deny me.

The real reason is because my vehicle insurance is a 3rd party and icbc wanted to avoid paying anything whatsoever and sue my insurance instead. Best part, there’s no legal recourse I can take. They closed the claim while I was still mid-battle on providing the ever expanding “proof” they kept tacking on.

They are the worst auto insurance company and unfortunately have the monopoly so we don’t get a choice.

So had a collision (non-fault) resulting in a total loss claim. All ok during the initial reporting and notifications process and once acknowledged as non-fault a hire car was duly provided quickly. Fast forward a few days and the settlement offer comes through, not too bad really but a couple of bugbears and errors in the report so managed to get slightly more in the end. Again ok, except that you can tell they don't want to pay anything more than originally offered. Now at this point I ask, 'So how long have is the grace period for the hire car' to be told, Oh now you've had a settlement offer (not agreement or actually received the money) you have 3 days to return the car. Wow... one I haven't accepted this offer and two I don't have the money, how do I get a new vehicle and what do I do in the meantime? Apparently, that isn't their problem as I knew it was a total loss so should have been looking at cars already...hang on I haven't got the money so how do I get a new car? so I wasn't happy to have no car access with weekends away planned etc! Fast forward another week and I still haven't had the settlement check delivered and when I chased this up they said 'if it's still not there in a week call us again, but it has been issued'. Very very poor customer service and do not feel looked after at all. Would expect the hire car to be kept until at least the settlement money has been deposited in the bank. Also on the follow-up call, I was advised I could have had a direct transfer payment, something I was not even made aware of initially.

The accident wasn't my fault I got a concussion. The concussion limited my eyesight and still causing me blackouts so they promised wage subsidy after one month of nothing I kept emailing trying to phone nothing I provided everything they asked for three months later they finally made it clear that unemployment insurance had to come first and that they were going to top up the wages. I have now waited 6 months nothing from ICBC they decided to send me an email recently saying who cares about your symptoms and blackouts get back to work! So ICBC promotes unsafe driving now and people on the roads that may pass out! This isn't an insurance company it is a scam!