Insurance Vehicle Regulation In British Columbia
British Columbia’s Insurance Vehicle Regulation grants extensive benefits to all of the injured drivers and passengers, following a motor vehicle accident. The granting of the benefits takes place, regardless of who might have been held responsible for that same accident.
Specifics on the provided benefits:
• Reimbursement of medial and rehabilitation expenses
• Disability benefits for victims that are working.
• Homemaker benefits for victims that must carry out homemaking duties
• If a loved one died in the accident, the grieving family can get money for funeral expenses, along with survivors’ benefits.
Details on changes introduced in 2019:
• A raise in the wage loss benefit, from $300/week to $740/week.
• An increase in the homemaking benefit, from $140 to $250
• More money for funeral costs, up from $2,500 to $7,500.
• An increase in death benefits for survivors, from $17,580 to $30,000.
The Insurance Vehicle Regulation also guarantees payment for treatments.
In the past, accident victims in B.C. were covered for visits to a general practitioner, a physiotherapist, an occupational therapist and a chiropractor. Starting in 2019, victims of a motor vehicle accident gained access to funds for acupuncture, kinesiology treatments, counseling and massage therapy. Not everyone that submits a claim to ICBC has that claim accepted. Sometimes a claim is denied.
Possible reasons for denial of ICBC’s coverage:
• Evidence indicates that one of the involved drivers used the vehicle as a weapon.
• Evidence indicates that one of the involved drivers was not authorized to operate a motored vehicle.
• Evidence indicates that one of the involved vehicles, was being used for illegal purposes, such as the transport of contraband.
• Evidence shows that one of the involved drivers was racing another driver.
• Evidence has shown that one of the involved drivers was trying to escape from the police.
Why an injured victim in British Columbia might need a personal injury lawyer?
The victim might have been injured in a collision with one of the drivers described above. For instance, a driver trying to evade the police might collide with another vehicle. That second vehicle was not making an effort to help the responsible driver with his escape. Still, ICBC might decide to deny the claim. In that case, the victim would need the help of an Injury Lawyer in Vancouver.
It could be that someone gave their car keys to a person that claimed to have a driver’s license. Later, when the loaned vehicle became involved in an accident, it became clear that the driver did not have a license. The owner of the car would need a lawyer, if any family member had been a passenger, and, thus, got injured.