ICBC Auto Insurance Reviews

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.

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.

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 just had a question regarding the discounts for driving under 5k kilometers.

I am disabled. This man on the phone was impatient with me and sort of nasty/mean tone. He was just awful. I told him so and I also told him to calm himself down when he is talking to a disabled person. Just a horrendous experience. Totally unneccesary to be this rude to someone calling for explaination of discount on their insurance policy. I will not be dealing with them again.

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

I placed my claim in 1 decade of April. Today is July 3rd 3 times a called customer service. But we still stay in the same spot. Damages are not estimated. The car is not fixed. My claim was just ignored.