Less legal costs
Taking legal costs out of insurance
The lower rates and improved benefits of Enhanced Care coverage are possible because the costs associated with our litigation-based system will be largely removed.
Today, B.C.’s auto insurance system involves high legal costs which directly impact the insurance rates you pay. Under Enhanced Care coverage, in most situations you will not be able to sue the at-fault driver in a crash. However, you won’t need to, because Enhanced Care coverage offers care, recovery and wage-loss benefits for as long as you need them – even if that’s for a lifetime.
There will still be independent options to help customers resolve disputes and some situations where taking legal action against a dangerous driver or negligent party is possible. Government is also taking steps to ensure British Columbians will be treated fairly when they have a claim with ICBC.