insurebcsquamish

ICBC’s No-Fault Insurance: What It Means for Drivers in Squamish

Admin Team

01 Feb 2026 — 2 min read

f you live or drive in Squamish, chances are you spend a lot of time on highways, mountain roads, and busy corridors connecting the Sea-to-Sky. With that comes an increased need to understand how your auto insurance actually works — especially when it comes to injuries after a crash.

That’s where ICBC’s no-fault system, known as Enhanced Care, comes in.

A Shift Toward Recovery, Not Courtrooms

Under Enhanced Care, ICBC’s focus is on helping people recover after a collision instead of determining payouts through lawsuits. If you’re injured in a motor vehicle accident, you can access care and support through ICBC without having to prove someone else was at fault first.

This change was designed to reduce delays and stress at a time when your priority should be healing.

Who Is Covered?

Enhanced Care applies to most people injured in a crash involving a vehicle in British Columbia, including:

Drivers
Passengers
Pedestrians
Cyclists

No matter how the accident happened, injury benefits are handled through ICBC’s care and recovery system.

What Kind of Support Is Available?

Depending on your injuries, Enhanced Care can provide:

Coverage for medical and rehabilitation treatments
Wage replacement if you’re unable to work due to your injuries
Support for longer recoveries or permanent impairments
Assistance aimed at helping you return to daily activities and independence

Many treatments are available early in the recovery process, allowing people to start care quickly instead of waiting for approvals tied to fault or legal decisions.

Does Fault Still Matter at All?

Yes — but mostly for insurance ratings, not care. ICBC still determines who caused the crash, and fault can affect your premiums or driving record. However, fault generally does not determine whether you receive injury benefits.

This separation helps ensure consistent access to care while still holding drivers accountable on the insurance side.

What Squamish Drivers Should Consider

While Enhanced Care provides strong baseline protection, it may not fully replace income or address every personal situation. Factors like seasonal work, self-employment, or high earning income can make optional coverages worth reviewing.

At InsureBC Squamish, we help drivers understand how ICBC’s coverage fits into their overall insurance picture — especially for those who rely heavily on their vehicle for work, recreation, or travel along the Sea-to-Sky corridor.

If you’d like to review your auto policy or ask questions about Enhanced Care, our local team is here to help you make informed decisions.

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Water Deductibles Are Increasing — Is Your Condo Policy Prepared?

Strata water damage deductibles across British Columbia have been steadily rising. In some cases, they now exceed $250,000. When a water loss originates from a unit, that unit owner may be assessed for the strata’s deductible. Many condo policies do not automatically adjust to reflect these higher amounts.

Strata Water Deductibles Are Climbing — Is Your Condo Coverage Keeping Up?

Across British Columbia — including here in Victoria — strata corporations are increasing their water damage deductibles. In many buildings, deductibles now sit at $100,000, $250,000, or even higher. If a water loss originates from your condo unit, you could be assessed for the strata’s full deductible amount. The

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