ICBC Hit-and-Run Coverage in B.C.: What Pays for Vehicle Damage?
ICBC offers optional Hit and Run coverage for B.C.-registered vehicles that do not have Collision. It can cover repair or replacement costs caused by an unidentified driver who leaves the scene.
ICBC Hit and Run coverage can cover up to $200,000 of vehicle repair costs for a qualifying hit-and-run in B.C.
Collision coverage also protects against vehicle damage caused by a hit and run.
Without Collision or Hit and Run coverage, the vehicle owner can be responsible for the repair cost when the other driver cannot be identified.
Why Basic Vehicle Damage is different here
Basic Vehicle Damage Coverage normally responds when another driver is responsible and can be identified through the claim. A hit and run creates a different problem because the responsible driver is unknown, so optional Collision or Hit and Run coverage becomes important for damage to your own vehicle.
Hit and Run is a narrower alternative to Collision
ICBC positions Hit and Run coverage for customers who do not carry Collision but still want protection from vehicle damage caused by an unidentified driver. Collision is broader because it can also cover damage to your own vehicle when you are responsible for a crash, subject to policy terms.
Injury benefits are a separate question
Vehicle-damage coverage should not be confused with injury benefits. ICBC says Enhanced Accident Benefits remain available for eligible injuries from a crash, including a hit and run, regardless of whether the vehicle carries optional Hit and Run coverage.
Check the current ICBC rule or explanation
Canada Rate Lab summarizes the consumer-facing structure, but the official source controls if ICBC changes a rule, definition or rating practice.
ICBC — Hit and Run coverage →More British Columbia auto research
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