If ICBC determines that you caused the accident, then your insurance will pay to fix your vehicle. You will likely need to pay a deductible and your insurance premiums may be increased.
If ICBC determines that the accident was not your fault, then the other driver’s insurance should pay to fix your vehicle. You will not need to pay a deductible and your premiums will likely not be affected.
If you disagree with ICBC’s determination of who caused the accident, then you can dispute the decision. It is best to speak with a lawyer about your options.
If ICBC is not paying you fair value for your vehicle, then you can file for an arbitration hearing. Speak to a lawyer to learn more.