Anyone injured in an accident, regardless of fault, is entitled to Part VII benefits from ICBC such as coverage of rehabilitation or treatment expenses, prescription costs, and disability payments (if applicable). Depending on the extent of the injury, the benefits and compensation may vary.
If you suffered injuries in an accident for which another driver was at fault, then you can also make a personal injury claim with ICBC to receive compensation.
If you or your loved one is ever in the unfortunate situation of being injured in an accident, it’s imperative that you think your decisions through and take action to protect yourself.
The first thing you need to know is that ICBC doesn’t always work in your best interest—it’s an insurance company, albeit a public corporation, which holds over 90% of the market share in British Columbia’s auto insurance. ICBC’s mandate is to minimize settlements, which usually don’t work in your favour, even when an accident isn’t your fault.
In the event of an accident, you do not have to report it to ICBC right away. You are legally obligated to notify ICBC, but only within a reasonable amount of time.
Why is it essential for you to know this?
ICBC records everything you say, and your statement can be used against you in an insurance claim. Educate yourself on your rights or or contact Helpforme for a free no obligation consultation. They can guide you through the procedure and advise you on what to say during your initial report.
You do not need to sign your statement or disclose your medical records to ICBC.
An ICBC Adjuster’s job is to investigate and determine who’s at fault in an accident. ICBC already has access to a comprehensive database of information, in addition to some Motor Vehicle Branch databases, which can be used to review personal details about the parties involved in the accident.
How to tell if you’re helping or harming.
By signing your statement or disclosing further personal details, you may inadvertently accept some portion of fault for the accident, even if it was not your intention.
Helpforme wants you to understand the implications of all your interactions ICBC, be legally protected, and get the best settlement possible—you’re entitled to this.
Hiring a lawyer can help your case—we’ll advocate on your behalf.
Most personal injury lawyers, including Helpforme, charge on a contingency basis, which means you don’t pay a legal fee unless you win the case. If we win the case, we take a percentage of the settlement, and that’s our fee.
Read this handbook to understand the ICBC claims process better and find the best course of action for you.