If you are a pedestrian or cyclist who is struck by a vehicle which is at fault for the accident, you have an ICBC claim even though you are not a passenger or driver of a motor vehicle. As well, if you are a passenger or driver of a motor vehicle and are injured in an accident, which is caused by a pedestrian or cyclist, ICBC may still be involved.
In these types of accidents, ICBC would be involved in the payment of Part VII/ No-fault benefits (i.e. disability and medical expense benefits) as well as in compensating you for your injuries suffered in the accident.
Often times, pedestrians or cyclists may not have other insurance such as homeowner insurance to cover a potential injury claim when it is the pedestrian or cyclist’s fault.
In situations where the pedestrian or cyclist does not have any insurance coverage then ICBC would be involved under the underinsured motorist provisions (“U.M.P.”). For a full review of U.M.P. coverage, please review the section on U.M.P.
Motor vehicle accidents involving pedestrians and cyclists often become an ICBC issue.