Understanding Different Types of ICBC Claims

If you or a loved one has recently been injured, whether it be in a car accident or other type of incident, there’s a good chance you’ll soon be going through the process of filing your ICBC claim (if you haven’t done so already). This process can be long and complex, so having an experienced personal injury lawyer on your side is in your best interest. Still, by having a solid understanding of the different types of ICBC claims and what they entail, you can be better prepared for everything your claim may entail.

Pedestrian & Cyclist Claims

Sharing the road with motorists as a pedestrian or cyclist can be dangerous—and when motorists fail to pay attention, accidents can occur. If you’ve been injured by an at-fault motorist as a pedestrian or cyclist, you may be entitled to compensation from ICBC for your medical expenses, lost wages, and other expenses related to the accident.

Out-of-Province/Country Claims

Many people don’t realize that ICBC also gets involved in auto accidents that occur outside of British Columbia and, in some cases, even those that occur outside of the country. The specific details will depend on where the accident took place. In the United States, for example, some states do not require that a vehicle have insurance at all, and in others, third-party liability coverage may be minimal (as low as $10,000 in some areas), though you may be able to file an ICBC claim to recover any remaining damages.

Hit-and-Run Claims

When you’re involved in an auto accident and the other motorist involved flees the scene, this is known as a hit-and-run or unidentified motorist claim. Fortunately, if you take all reasonable steps to ascertain the identity of the unidentified driver, ICBC may still be required to protect you and possibly compensate you for damage done to your vehicle (usually minus a deductible) —even if the person who caused the accident is never apprehended. Also, for bodily injury and death claims, if you have taken all reasonable steps to ascertain the identity of the unidentified driver, ICBC may be required to compensate you for your injuries and losses.

Underinsured/Uninsured Motorist Claims

If you get into an accident with a motorist who doesn’t have insurance or doesn’t have enough insurance to cover your damage, the Insurance Vehicle Act can provide coverage of up to $200,000 under ICBC, so long as certain conditions are met. For damages greater than $200,000 on the other hand, another type of coverage must be sought. This is known as underinsured motorist protection (UMP)

Death Claims

When a family member is killed as a result of a covered ICBC incident, the surviving family members may be eligible to collect from ICBC under the Family Compensation Act. This can include compensation for damages such as:

  • loss of financial support from the deceased
  • out-of-pocket death expenses, such as funeral costs
  • loss-of-inheritance expenses
  • loss of love expenses for infant children of the deceased

Contact BLW Lawyers Today: Personal Injury Lawyers Vancouver

These are a few of the most common types of ICBC claims that are filed on a regular basis in British Columbia. Those looking for legal assistance in filing any of these types of claims in Vancouver or the surrounding areas can turn to the team at Becker Lavin, & Wessler for the representation they need. With more than 50 years of combined experience, we’re here to assist you with your personal injury ICBC claim. Contact us today to set up a free consultation.

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