Every driver in BC is required to purchase ICBC auto insurance. While you’d think that would make the claims process easier, the truth is often the opposite. Like most insurance providers, ICBC wants to pay as little as possible.
If you’ve been injured in a car accident or motorcycle accident then you need a competent ICBC lawyer if you wish to ensure you get the full range of benefits available to you.
Part 7 vs. No Fault Benefits
There are 3 types of ICBC claims.
● No fault claims
● Damage claims
● Tort claims
The Part 7 no fault benefits pay out regardless of who was at fault. ICBC prefers to pay these benefits only, without paying any damage or tort claims.
Part 7 benefits are extremely limited. Medical and rehabilitation benefits are limited to $300,000, and still require you to pay some costs for some treatment sessions out of your own pocket.
They’ll pay up to $2,500 for funeral and burial expenses, and a miniscule death benefit.
They will also pay an extremely limited lost wage benefit.
These benefits do not pay for your damages or for your pain and suffering. You only get those if you can prove the other party was at fault, and this is where cases get complicated.