ICBC’s Enhanced Care Model: How It Impacts Drivers in Victoria

If you’ve heard the term “no-fault insurance” and wondered what it really means for you, you’re not alone. ICBC’s Enhanced Care system changed how injury claims work in British Columbia, placing recovery and support at the center of the process.

Here’s a clear breakdown of how it affects drivers, cyclists, and pedestrians in Victoria.

Care Comes First

Under Enhanced Care, anyone injured in a motor vehicle crash can receive care through ICBC without having to prove fault first. Once a claim is filed, treatment and recovery support can begin right away.

This approach removes many of the delays that existed under the previous system and allows people to focus on healing instead of paperwork or legal disputes.

Types of Support Available

Enhanced Care may include:

• Coverage for medical and rehabilitation treatments
• Income replacement if injuries prevent you from working
• Ongoing recovery planning for more serious or long-term injuries
• Support services to help people regain independence

These benefits apply to most road users, not just drivers.

Does Fault Still Matter?

Yes — but in a different way. ICBC still determines who caused the crash, and fault can affect things like premiums and driving records. However, fault generally does not impact access to injury benefits.

This separation helps ensure that care is provided consistently and predictably after an accident.

What Victoria Drivers Should Keep in Mind

Enhanced Care offers stability and faster access to support, but every driver’s situation is unique. Factors like income level, family responsibilities, and existing benefits can influence whether additional coverage is a good idea.

At InsureBC Victoria, we help clients understand how ICBC coverage fits into their overall insurance picture. If you’re unsure what Enhanced Care includes — or what it doesn’t — we’re here to walk you through it and help you make informed decisions.