Noteworthy Facts About Part 7 Benefits

Any resident of British Columbia can take advantage of Part 7 benefits, after becoming involved in a collision within that same province (BC). That statement holds, regardless of who gets named as being at fault for the same accident. Still, the Insurance Company of British Columbia (ICBC) does cause the Province’s motorists to ask some questions, regarding their coverage.

Who is insured by ICBC?

At the time of a collision, the owner of any involved vehicle is insured. By the same token, the licensed driver and the members of the driver’s household enjoy a like amount of coverage. Any occupant of a vehicle that holds a BC license, or an occupant of a vehicle driven by someone with such a license stands eligible for the part 7 benefits.

In the case of a death, a family member bringing the wrongful death charge against an uninsured motorist, or a motorist with the help of Injury Lawyer in Victoria that left the scene would be covered by ICBC’s insurance.

What is the nature of the benefits?

Disability benefits get based on the driver’s earnings. A disabled driver would get 75% of his or her former earnings, up to a maximum of $300 per week. Of course, the driver must first apply for medical employment insurance.

Medical benefits cover a wide range of expenses. The insured driver gets reimbursed for money spent on doctor’s appointments, treatment programs, medications, testing, medical equipment, ambulance services, nursing services, meetings with a speech therapist, a physical therapist, an occupational therapist or a chiropractor. Money will also be made available for dental visits or for any prosthetic, should one be required.

Rehabilitation benefits supplement the medical benefits. Those include money for equipment, as well as any needed alterations to the home of the disabled victim. The cost of attendant care and vocational training are also covered. Understand, though that the sum total for the medical and rehabilitation benefits cannot exceed $300,000.

Finally, a listing of part 7 benefits includes money for funeral expenses. The amount available for death benefits can run as high as $2,500. That money goes the personal representative of the deceased man or woman, or to a family member.

Losses not covered by part 7 benefits:

Victim’s loss of earnings, when he or she cannot return to work. Victim does get paid for any needed amount of re-training, prior to returning to work.

Loss of money spent on repairs to damaged vehicle.

Victims seeking money to cover such losses must sue the party responsible for the accident. In other words, even in a Province that offers no-fault coverage, the driver that has caused 2 or more vehicles to collide will have to pay a price for his or her negligence. A judge and jury might determine the size of that added price.