Being involved in a collision is stressful enough without the added confusion of navigating the insurance claim process. BC operates under a public insurance model through ICBC, which means the process works a bit differently than in provinces with private auto insurance. Here's what Kamloops drivers need to know about filing a claim and getting your vehicle repaired.
Report the Claim Promptly
BC law requires you to report a collision to ICBC as soon as reasonably possible. You can report online at icbc.com, through the ICBC app, or by calling 1-800-910-4222 (available 24/7). Have your policy number, vehicle information, and the other driver's information ready.
Even if you're not sure whether you want to proceed with a claim, it's worth reporting the incident. You have time to decide whether to proceed, and an unreported collision can sometimes complicate things if issues develop later.
Understanding Enhanced Care (Care Card)
BC's insurance model changed significantly in May 2021 with the introduction of Enhanced Care coverage. Under this system, fault still matters for some aspects of your coverage, but all BC drivers are covered for accident benefits regardless of who caused the collision. Vehicle repair coverage depends on your specific policy and the collision circumstances — your adjuster will walk you through your coverage.
Your Right to Choose Your Repair Shop
This is something many BC drivers don't know: you have the right to choose your own collision repair shop. ICBC cannot require you to use a specific shop. However, choosing an ICBC-accredited shop (also called a "repair partner") has practical advantages:
- The shop bills ICBC directly — you don't pay out of pocket and wait for reimbursement
- ICBC communicates directly with the shop, reducing the back-and-forth for you
- Accredited shops meet ICBC's quality and equipment standards
CRU-Tech Auto is an ICBC-accredited repair facility. We handle the paperwork and adjuster communication directly, making the process as smooth as possible for you.
The Estimate and Repair Authorization Process
Once your claim is filed, ICBC will either send an appraiser to assess your vehicle or authorize a shop to provide an estimate. At an accredited shop like CRU-Tech, we inspect your vehicle thoroughly — including hidden structural damage that may not be obvious — and submit the estimate to ICBC directly. ICBC reviews and authorizes the repair scope before we begin work.
Hidden damage matters: What looks like a simple bumper dent often involves crumple zones, sensors, and support structure behind it. A thorough inspection is essential to ensure everything is identified upfront — additional damage found mid-repair can delay your timeline.
Rental Vehicles During Repair
If your policy includes loss-of-use coverage, ICBC may cover a rental vehicle while your car is being repaired. Confirm your coverage when you file your claim and discuss it with your adjuster. Your repair shop can often help coordinate rental arrangements.
Deductibles
Under BC's current system, your deductible depends on your collision circumstances and the type of coverage in your policy. Your adjuster will explain what applies to your situation. Basic coverage deductibles for hit-and-run or at-fault collisions are common — ask specifically about deductible amount and payment process when speaking with ICBC.
What to Expect When You Pick Up Your Vehicle
A reputable shop will walk you through all the repairs completed before you drive away. Inspect the work carefully: check panel alignment, paint match, and operation of any affected doors, sensors, or lights. At CRU-Tech, we want you to be fully satisfied before you leave. If anything isn't right, we'll address it on the spot.
If you've been in a collision and need guidance on the ICBC process, give us a call. Our team at CRU-Tech has worked with ICBC claims for years and can answer your questions and help you get your vehicle back on the road.
Ready to Book an Appointment?
Our team at CRU-Tech Auto is here to help. Give us a call or send us a message.