When faced with a Third-Party Notice, you should consult a lawyer
Where an injured individual is suing you for damages suffered because of an accident that is your fault, and ICBC has breached you of your contract of insurance, ICBC will file a Third-Party Notice against you. This document will be served on you personally. The Third-Party Notice allows ICBC to step into your shoes and defend the lawsuit advance by the injured individual. Just because ICBC has appointed a defense lawyer to work on the file doesn’t mean you are out of hot water. Rather, once ICBC pays out the claim, they will then send you a bill for the entire pay-out to the injured party.
When faced with a Third-Party Notice, you should consult a lawyer and decide whether you should dispute the Third-Party Notice and try to counter sue for insurance coverage.
The good news is that ICBC is likely to defend the injury claim on your behalf trying to minimize the pay-out they must make to the injured claimant. That means ICBC will try to lessen your financial exposure.