A lot of injured people seem to think that ICBC represents them. This is not true.
If you are injured in an accident that is not your fault or only partially your fault, you should be properly compensated for your injuries and damages by the person that hit you (the defendant). Luckily insurance is mandatory in BC and usually ICBC is the insurance company defending the claim against you. ICBC represent the defendant. Not you. You have probably heard the term “third party liability insurance”. You are the third party. This is why personal injury lawyers always tell you to call them first. Giving a statement and authorizations to ICBC instead of through a personal injury lawyer gives ICBC the opportunity to get information they may not be entitled to under the law and use it against you.
ICBC often speaks about its own policies as if those policies are law. They are not. You need to speak to a personal injury lawyer about what your rights and obligations are. We are happy to meet with you and discuss your case in a free initial consultation. In that meeting we will explain the law including ICBC’s obligations to you; your obligations to ICBC; and what damages you may be entitled to under Part 7 benefits (no fault) and tort. Think of those as what you can get now and what you can get on settlement or judgment. We will also discuss the heads of damages you can claim including non-pecuniary damages (pain, suffering and interference with your life); past wage loss; future capacity loss; loss of housekeeping/maintenance; future care and special damages. ICBC is not known to discuss all heads of damages with self-represented claimants. It is important that you know what you are entitled to.
If you want to retain us, we usually take your case on a contingency fee basis which allows you to be represented by us and not pay fees until settlement or judgment. You can also choose to have us pay the disbursements in the interim (litigation costs) so you aren’t financially burdened while trying to recover from a car accident.
It is important that you feel good about choosing us and comfortable asking questions. If you have a personal injury matter (car accident or slip and fall) please make an appointment to see one of our personal injury lawyers. We are committed to assisting you with your claims in a cost effective, professional and caring manner. We represent you.