British Columbia
As of May 1, British Columbia’s publicly owned auto insurance provider, ICBC, moved drivers to a no-fault system in an effort to reduce car insurance rates by roughly 20 per cent.
Under a no-fault system, a driver receives accident benefits from their own insurance company for any claim, regardless of who is at fault for the collision. Insurance companies then assign a percentage of fault to each driver. Ontario, Nova Scotia, New Brunswick, Quebec, and Prince Edward Island all operate under this system.
Prior to this change, B.C. drivers would have to go after the at-fault driver for compensation, which could often result in lengthy and costly legal battles. The province’s new system, dubbed “Enhanced Care,” eliminates that need and also comes with a promise of increased maximum care and treatment benefits for anyone injured in a motor vehicle crash.
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