Driver penalty points will affect your ICBC premiums if you collect too many of them over a year. The greater the number of points accrued, the higher your premiums will rise. That is why it is vital to challenge any driving infractions so that your premiums will not skyrocket by obtaining legal counsel. A Preszler … Continue reading Do Driver Penalty Points Affect My ICBC Premiums?
Since “Driving Under the Influence” (DUI) is a criminal offence, and nearly all employers conduct a background check on potential hires, a DUI on your record may seriously affect your ability to obtain gainful employment. In some fields, including law enforcement, teaching, or other government positions, not only is a background check a certainty– but … Continue reading Do Employers Check for DUIs?
Environmental awareness and a culture of increased physical fitness have led many people to become avid cyclists. But accidents happen, even to those on bicycles. The Insurance Corporation of British Columbia (ICBC) insurance might cover the losses if the accident involved a motor vehicle. If the accident only involved the bicycle, a pedestrian, or a … Continue reading Does ICBC Insurance Cover Bicycle Accidents?
For years, pain and suffering damages were a common part of small claims lawsuits in British Columbia. Even seemingly minor injuries often resulted in substantial awards. A steady increase in the amount of benefits paid out each year led to the provincial government to drastically reduce them. Now, the government places a firm cap on … Continue reading Is Pain and Suffering Awarded After a Minor Car Accident?
The Insurance Corporation of British Columbia (ICBC) will call after you’ve reported a motor vehicle accident. They may ask for additional information, request that you sign a medical release form, or notify you of a pending offer. It is important to understand that you have legal rights and options. Their first offer is not necessarily … Continue reading Should I Accept the ICBC’s First Offer?
Much of the focus after a car accident is on the driver’s bodily injuries– and for good reason. These wrecks create life-altering repercussions. In addition, the potential severity of property damage in a claim is also significant. The technology surrounding the ability of a motor vehicle to absorb impact has improved greatly over the years. While … Continue reading How Long Does It Take to Fix a Car After an Accident
By law, anyone involved in a car accident must remain at the scene until law enforcement arrives. Leaving the scene after a collision results in Failing to Stop at the Scene of an Accident, a criminal offence with potentially serious penalties. This attempt to avoid responsibility is better known as a hit and run. The … Continue reading What Happens If Someone Leaves the Scene of an Accident?
Yes, if you are involved in an automobile accident in British Columbia, and you suffer an injury, you are eligible to collect a settlement from ICBC. Most claims fall under the jurisdiction of “minor” since new definitions went into effect April 1, 2019, including a cap on “pain and suffering” damages for minor accidents. If … Continue reading Can I Get an ICBC Settlement If I Only Have Minor Injuries?
Yes, the ICBC can request your medical records after an automobile accident. However, they often seek more information than what is absolutely necessary in order to minimize or deny your claim. The insurance company is a business, looking out for its bottom line, which could be at odds with paying you a fair settlement. For … Continue reading Can the ICBC Request Medical Records?
By law, unlicensed drivers are not covered by the ICBC. The ICBC requires that drivers of any insured vehicle are qualified and licenced to drive it. The owner of a vehicle must have a valid licence to drive it, and it is their responsibility to ensure that anyone driving the car is also licenced properly. … Continue reading Are Unlicensed Drivers Covered by the ICBC?
Following a car accident, it is likely that ICBC will quickly get in touch with you. In many cases, they will ask you to give a brief recorded statement about how what happened. Even though they might not tell you a statement is mandatory, it is often implied. Do you have to give a statement … Continue reading Should I Give the ICBC A Recorded Statement?
Knowing how to file a claim with the Insurance Corporation of British Columbia (ICBC) is important in claiming financial compensation for medical expenses, lost wages, homemaking services, and property loss. If the accident wasn’t your fault, you might be entitled to further compensation for medical and rehabilitative expenses from the other motorist’s third-party liability coverage. … Continue reading How Do You File an ICBC Claim?
Yes – It Is Always In Your Best Interest to Get a Lawyer for ICBC Claims While it is possible to obtain a fair settlement from ICBC, the first offer is not necessarily unbiased or as much as you deserve. It is in the best interest of the insurer and the taxpayer to pay you … Continue reading Do You Need a Lawyer if the ICBC Offers You a Settlement?
Crashing a car is one of life’s most stressful events. Sudden, unexpected injuries, transportation issues that limit your ability to get back to work, and the cost of repairing or replacing your vehicle will compound the anxiety. If your vehicle was hit through little to no fault of your own, ICBC might provide money to … Continue reading How Does the ICBC Determine if a Car is a Write-Off?
There is no question that many car accidents result in extreme emotional distress and trauma. However, changes in ICBC regulations as of April 1, 2019, now consider any type of mental health issue due to a motor vehicle accident a “minor injury.” That means any claim of emotional distress or psychological problems stemming from an … Continue reading Can I Claim Emotional Distress After a Car Accident?
A serious accident throws any victim’s life into upheaval and affects them financially. However, it can sometimes be even more of a burden for the self-employed. You can claim lost wages from the ICBC if injured in a motor vehicle accident, but the process is more complicated for those running their own business than for … Continue reading Can I Claim Lost Wages From the ICBC If I’m Self-Employed?
Motor vehicle accidents know no boundaries, but if you are involved in a collision outside your home province, ICBC regulations and your benefits might change. That is because each province – and country (if the accident happens in the U.S.) – has its own laws regarding auto insurance. If you were seriously injured in the … Continue reading What Happens If You Get Into an Accident in Another Province?
It is bad enough when the ICBC declares your car a total loss after a crash. It is even worse if you still owe money on the vehicle because the debt does not go away simply because the car is inoperable. While insurance should pay for the replacement value of the car, that replacement value … Continue reading What Happens If Your Car Gets Totalled and You Still Owe Money?
It might seem as if a deer lurks behind every tree. That perception is not far off, as British Columbia is home to approximately 250,000 coastal black-tailed deer, 190,000 mule deer, and 65,000 white-tailed deer. Each year, roughly four people die, and 380 people are hurt in deer and vehicle collisions. Whether or not ICBC … Continue reading What Happens If I Hit a Deer?
Following a motor vehicle accident, you want to seek medical attention immediately, whether that’s through your primary care physician or the nearest emergency room. However, when it comes to collecting compensation for your injuries through ICBC, you will be required to see a doctor of their choice. Defence Medical Examinations are warranted when you apply … Continue reading Do I Have to See the Doctor the ICBC Chooses?
Yes, you are required to report accidents to the Insurance Corporation of British Columbia (ICBC). Automobile accidents are traumatic events that can lead to anxiety, sadness, confusion, anger, and uncertainty. This mixture of emotions can affect your judgement in the days that follow. When a serious accident with injuries has occurred, you could be whisked away from … Continue reading Do You Have to Report an Accident to ICBC?
The Insurance Company of British Columbia, or ICBC, is the crown-operated corporation that insures all registered vehicles. It can cover claims from a fender bender to a serious, life-changing injury. While these claims can result in monetary compensation for your injuries, there is no guarantee that they will succeed. This especially true if you try … Continue reading How Long Do You Have to Make an ICBC Claim?
One of the risks in filing an ICBC claim is that the corporation may initially pay for damages to your vehicle following a car accident, only to turn around and demand repayment. This can happen when an ICBC adjuster decides your damages were unrelated to the accident in question, you exaggerated or falsified your claim, … Continue reading How is ICBC Repayment Handled?
A hit-and-run car accident poses unique legal challenges for the injured parties. After all, who do you sue if you never saw the driver who hit you? Fortunately, B.C. law provides an answer in most cases–namely, that ICBC is responsible for any hit-and-run arising from the “use or operation of a vehicle on a highway … Continue reading When is a Highway Not a Highway?
Not all multi-party car accidents involve two motor vehicles. In B.C., it is not uncommon for a car to hit a moose or another wild animal. In more populated urban areas, there are frequently collisions between cars and household pets such as dogs. If you are involved in a vehicle-animal collision, do not assume that … Continue reading Who is Responsible When a B.C. Motorist Hits a Dog?
When you are involved in a car accident, you know you need to file a claim with your insurance company, which for most B.C. residents is ICBC. If your vehicle was damaged in the accident due to another party’s negligence, an ICBC-approved repair centre will assess the cost of the repairs. By law, ICBC is … Continue reading When is ICBC Liable for an Unsatisfactory Repair Job?