ICBC insurance is what you need if you’re a driver insured in British Columbia. Whether you like it or not, you’re a customer of the Insurance Corporation of British Columbia (ICBC).
ICBC is the corporation in charge of providing British Columbians with basic auto insurance coverage. Autoplan is ICBC’s basic insurance package and it can be purchased from Insurance Brokers across British Columbia, providing you with:
If you’re looking for even greater protection, ICBC offers more comprehensive auto-insurance, on top of its basic coverage. For example, ICBC’s third party liability coverage can be increased to $5,000,000 or your underinsured motorist protection to $2,000,000.
If you have ICBC coverage and you are injured in a motor vehicle accident, for which you are not responsible, then, generally speaking, ICBC will have to compensate you for your damages.
There are numerous types of damages that ICBC insurance may have to compensate you for. The following list includes some, but not all, of the major categories of damages dealt with in a personal injury claim:
1) Non-Pecuniary (or General Damages): non-pecuniary damages are meant to satisfy your intangible losses: pain, suffering or loss of enjoyment of life (basically, it is a way of giving you funds because of how much your injuries suck!). This amount will depend on the particular facts of your case. For example a broken leg for a professional marathon runner athlete will mean more in terms of compensation than a broken leg for a government lawyer.
2) Special Damages: special damages are a broad category of damages that cover your reasonable out-of-pocket expenses associated with the accident. Examples of special damages include: prescription medication, physiotherapy visits, mileage to visit your doctor and the like.
3) Wage Loss (Past and Future): Damages for lost wages cover you for work days you’ve missed because of your accident. In more serious cases, you may be able to claim damages for wage loss into the future if the accident has limited your ability to earn income.
4) Cost of Future Care: If you’ve suffered an injury that will require treatment in the future, you may be entitled to have those treatments covered.
If you have ICBC insurance coverage and you are in a motor vehicle accident for which you are responsible, then, generally speaking, ICBC will be required to pay for and manage your legal defence. This means that, if you are at fault in a collision and the other driver sues you for damages, ICBC is responsible for your legal defence. Even if you caused an accident, ICBC may still have to reimburse you for your reasonable medical expenses caused by the accident.
This article was written by Chris Dawson, who has completed his articling term at Hemminger Schmid.
So, if you think you may need a personal injury lawyer, notify Hemminger Law Group and come in for a no obligation (ie. free) consultation. We’ll let you know if we think you have a claim that we can assist you with.
Val Hemminger, lawyer, wrote this.
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