| 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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Who is Entitled to No-Fault / Part 7 Benefits?: Generally, anyone injured or killed in a motor vehicle accident in British Columbia, or any B.C. resident injured or killed in a motor vehicle accident in North America is entitled to Part 7 benefits either from ICBC or from another insurer involved in the accident. Regulation 96 sets out the various situations where no Part 7 coverage is provided. The Regulations describe who is entitled to Part 7 benefits by defining an “insured” in Regulation 78; being an insured makes that person entitled to this coverage. For an out-of-province insurer, the law in B.C. requires that insurer to provide the B.C. level of no-fault coverage when the out-of-province vehicle enters B.C.. In a few provinces, such as Ontario and Quebec, the amount of no-fault coverage is greater than that provided by ICBC. If the accident occurred in Ontario or Quebec, or occurred in B.C. but involved a vehicle insured in Ontario or Quebec, there is a good chance that greater no-fault benefits would be available. |
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