| Click on the links to get to a section. Prepared for MADD This guide was initially prepared in February, 2005 at the request of MADD to provide a layman’s guide to ICBC No-fault/Part 7 benefits; it was updated in February 2006. The information contained in this guide will outline the process to apply for these benefits and the type and amount of benefits available to an injured person and/or to the family of an accident victim. |
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History of No-Fault / Part 7 Benefits: When ICBC was created in the early 1970’s by the then NDP government, the basic ICBC insurance coverage, which had to be purchased by every motorist in B. C., included coverage for medical, rehabilitation, death and wage loss benefits. The amount of this coverage was far greater than what had been available under the previous private insurance scheme. These benefits were available regardless of whose fault an accident was – hence the label No-Fault Benefits. The actual coverage for these benefits is set out in Part 7 of the Regulations to the Insurance (Motor Vehicle) Act, hence the label Part 7 Benefits. A copy of the current (February, 2005) Regulations dealing with Part 7 coverage is contained at Tab A. Since the inception of ICBC, the amount of the Part 7 coverage has been increased and currently is set at a maximum of $150,000; for a passenger in a taxi or in a commercial bus, the limit is higher. As will be described later in this guide, the amount of the total coverage can actually exceed $150,000. This $150,000 is in addition to the coverage provided by the BC Hospital Plan for hospital treatment and in addition to the coverage provided by the Medical Services Plan for medical treatment. |
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