ICBC Claim Issue – N Driver, Possible Breach & Liability (Need Advice)

Hey everyone,

I’m dealing with an ICBC situation and could really use some advice from people who’ve been through something similar or understand how this works in BC.

I had a minor accident on October 6 while changing lanes. Another car was beside me, and there was a side contact (mostly scratches). We both stopped and exchanged info. No injuries, no police involved.

At the time:

• I had a valid Class 7N licence
• Active ICBC insurance (full coverage)
• I was the only one in my car

Now ICBC is saying I may have breached my licence conditions because I wasn’t displaying the “N” sign. They also mentioned this could affect my coverage and that I might have to personally pay for the other party’s damages.

There was also some confusion in my earlier communication with them, which I’m planning to clarify properly.

My concerns:

• Can ICBC actually deny coverage just for not displaying the N sign?
• In cases like this, is liability usually shared (since it was a lane change / side contact)?
• If coverage is affected, do they make you pay everything or is it negotiable?
• Has anyone dealt with ICBC “breach” situations before?

I’m a student with no income right now, so this is stressing me out a lot.

Any advice or similar experiences would really help 🙏