# SABS insurer examinations and ICBC assessments, on the file's schedule

> We coordinate the examination and deliver the records and a report that answers each question the referral asked.

Source: https://imecore.com/use-cases/auto-accident-benefits

## The SABS clock does not wait for a missing clinic fax

You sent the referral with the accident, the questions, and the date the decision needs. The records sit in three places, the examination is still unbooked, and the report arrives after the decision it was meant to support.

- OCF forms and clinic notes arrive with no source date.
- The IE notice period runs while you still chase imaging.
- The examiner answers causation and skips the treatment question.
- Your SABS and ICBC files need different reports from the same desk.
- A no-show blows the date and nobody can show the notice you sent.

## What IMECore does about it

### One referral, both regimes

Send the referral and we set the file as SABS or ICBC. The questions, the report headings, and the tax follow that regime.

### Collision and clinic records, collected

We collect the collision report, the hospital file, and the treating clinic notes. You see what arrived and what is still missing.

### An examination date you can plan around

We book the examiner against your report date and the notice window. You see the date from the day you refer.

### An examiner briefed on every question

The examiner gets each accident-benefits question beside the records. Nothing in your referral goes unanswered.

### SABS and ICBC reports stay distinct

A SABS insurer examination and an ICBC assessment use different headings. Your file gets the one its regime needs.

### A paper trail if the claimant does not attend

If there is a no-show, you get the notice record and the cancellation terms with the invoice.

## How it runs

1. **Send the referral.** Send the accident date, the claim number, your questions, and the date the report is due.
2. **We collect this regime's records.** We request the collision report, the hospital file, and the treating clinic notes, and tell you what is still missing.
3. **We book the examination.** We match the examiner to your questions and confirm the date against the notice window.
4. **You get an answer to each question.** A reviewer checks every SABS or ICBC question has an answer before we release the report.

## Numbers worth knowing

| Figure | What it measures | Source |
|---|---|---|
| 6% | Cap on recoverable disbursements in many BC vehicle-injury actions | BC Reg 210/2020 |
| $3,000–$6,000 | Typical BC specialist IME cost | lawyerinfo.ca, BC WCAT guide |
| $30–$32 | Published price per medical record request in Canada | medchart.ca pricing, 2026 |

## Questions people ask

### What is the difference between a SABS IE and an ICBC IME?

Ontario accident benefits use insurer examinations under the SABS, overseen by FSRA. BC auto injury assessments run through ICBC. We apply the report headings for the regime on your file.

### Which records does an accident-benefits examination need?

The collision report, ambulance and emergency records, family-doctor notes, physiotherapy, and imaging. Prior claims matter when causation is in dispute.

### What happens if the claimant does not attend?

You get the notice record and the cancellation terms with the invoice, so the no-show fee stands on paper.

### Can we run SABS and ICBC files in the same workspace?

Yes. Set the regime on the referral. Questions, report headings, and tax follow that regime.

### Who writes the medical opinion?

The examiner signs the opinion. A reviewer checks each of your questions has an answer before the report is released.