Details On Provision of ICBC’s Part 7 Benefits
Any resident of British Columbia that is injured or killed in a motor vehicle accident appreciates the fact that he or she is entitled to Part 7/VII Benefits. That fact holds true for any collision that takes place in North America.
Still, the recipient of such benefits does have certain obligations.
He or she must claim the benefits promptly. Generally, the means that the claim should be submitted within 30 days of the accident with the help of Accident Lawyer in Kelowna. In addition, the claimant must complete an Accident Benefits Application Form. Once that Form has been completed, it must be submitted to ICBC.
At the same time that it receives the Accident Benefits Application Form, ICBC looks for appearance of a second form. That is the short form called C-19. It needs to come from the doctor that is treating the injured claimant. The person that has completed the Accident Benefits Form must supply the treating doctor with the C-19.
Types of benefits that fall under the heading Part 7/VII Benefits:
• Coverage of medical care received by the injured claimant: That would include the cost of tests, medication and any needed surgery.
• Money for rehabilitation expenses: That could include funds for paying a physical therapist or an occupational therapist.
• Reimbursement for lost wages: Depending on the severity of the injury, this might also include reimbursement for a future loss of earnings.
• Money to cover housekeeping costs, due to a homemaker’s disability
Sometimes ICBC uses an exclusion to put a restriction on a specific benefit.
Utilization of such restrictions comes into play if a victim/claimant has gained access to benefits that can supplement any of those coming from ICBC’s offices. The source of such benefits could be a second insurance company or a health care plan.
ICBC is always conscious of the number on the bottom line of the accountant’s book. For that reason, it does not want to offer a benefit to someone that has a supplemental plan. Hence, it might decide to use an exclusion, in order to restrict a claimant’s access to coverage by Part 7/VII Benefits.
A resident of British Columbia that has used a supplemental plan but still hopes to gain access to Part 7/VII Benefits would need to hire a lawyer. Only with a lawyer’s help, could that same resident receive the type of guidance that can work to fight one of ICBC’s actions.
Lawyers in British Columbia have gained a familiarity with all of that insurance Company’s defense tactics. Having gained an understanding of such tactics, an attorney should have better luck, when trying to fight them. In addition, an attorney could show that a supplemental benefit fails to prevent a deterioration of the injured claimant’s condition.