Medical and Personal Expenses After a Car Accident — What ICBC Covers

If you’ve been injured in a car accident, ICBC Enhanced Accident Benefits cover a wide range of medical and personal expenses to support your recovery. Whether you’re visiting a physiotherapy clinic in Richmond or need equipment to help you at home, ICBC is here to help you access the care you need — without worrying about upfront costs.

What Medical Expenses Are Covered?

ICBC may cover the following healthcare services and treatments — regardless of who was at fault in the accident:

Physiotherapy, Kinesiology, and Registered Massage Therapy

Evidence-based treatments provided by licensed professionals to reduce pain, restore mobility, and support your recovery.

Chiropractic and Acupuncture

Regulated healthcare services that support pain relief, joint function, and overall well-being.

Psychological Counselling

Mental health care to help manage trauma, anxiety, or stress following your accident.

Hospital and Medical Visits

Includes emergency care, diagnostic imaging (X-rays, MRIs), and physician assessments.

Prescription Medications

Medication prescribed by your doctor to support recovery or manage symptoms.

What Personal Expenses May Be Covered?

ICBC may also reimburse or fund:

Medical equipment or assistive devices (e.g. crutches, braces, orthotics)

Travel costs to medical appointments (mileage, transit, or parking fees)

Home modifications or mobility aids if your injuries affect your daily function

Cleaning or homemaking services if medically necessary

Do I Need Pre-Approval from ICBC?

For most treatments like physiotherapy, kinesiology, and massage therapy, no pre-approval is required within the first 12 weeks following your accident. Your ICBC claim number is all you need to start receiving care.

More specialized expenses — such as equipment or home modifications — typically require approval from your ICBC claim representative. We can assist you with this process.

Direct Billing Available at Richmond Central Physiotherapy

At Richmond Central Physiotherapy, we handle ICBC direct billing so you can focus on healing. We work closely with your adjuster to ensure coverage and proper documentation for your treatments and related expenses.

Start Your ICBC Recovery Today

📞 Call us at 604-270-0158 or Book Online with your ICBC claim number to begin your rehabilitation at our Richmond clinic.