Section 97 of the Regulations under the Insurance (Motor Vehicle) Act provides that where you claim for Part VII benefits (no fault benefits); you have certain time limits to make a claim with ICBC:

1) Where an accident occurs for which benefits are provided under this Part, the insured shall;

Under Section 24 of the Insurance (Motor Vehicle) Act, ICBC is required to compensate you for death or injury or for damage to a vehicle even if the at-fault motorist is unknown.

In terms of vehicle damage, it is simply a matter of making a claim to dial-a-claim and then bringing your vehicle in to ICBC for inspection. ICBC has put a policy in place whereby only certain claim centres inspect vehicles involved in hit-and-run accidents. The local police force may be present at the claims centre so as to keep motorists “honest”.

A personal injury claim is simply a way of describing any ICBC claim when you have a right to compensation as a result of an injury caused by an at-fault motorist. You are not entitled to a personal injury claim if you are at fault for the accident.