Ways ICBC Determines Compensation To The Injured Individual
If you have been injured due to an accident, your loved ones can understand the pain and trauma that you are undergoing. This includes emotional, financial and physical issues that the injured individual will not only currently face, but will struggle with the aftermath of it for a long time. That is why it is important to get financially compensated so that you can cover the medical costs and other damages. Consulting with ICBC lawyers in Vancouver can be of help.
The lawyers will be able to help you understand your claim process, explain your rights to you and walk you through the process of claiming damages. That is why after seeking medical treatment, you need to call on a lawyer and file an ICBC claim. Irrespective of the type of accident, but if you were injured for no-fault of yours, you stand to get compensation.
Range of claims to file
You have the option of filing a tort claim. You will be filing to get compensated through the defendant’s insurance provider, but you will need to prove that they were negligent. This negligence caused your injuries.
The other claim is the Part 7 claim which is paid out as per the compulsory auto insurance that every resident of British Columbia has to carry. It is the basic auto-insurance that is mandatory. As per the ICBC accident benefits under auto plan, the injured victim will be eligible to receive $150,000 in medical and rehabilitation costs. This is possible only if your injuries met the auto policy conditions and the insurance policy was active.
Determine the Compensation
There are several key aspects that need to be covered which can impact the amount of total benefits you can get. These are:
• Partly at fault: If you are found to have contributed to the accident, your claim to damages might be reduced as compared to if you were not at fault.
• Auto coverage: If you have collision coverage, then even if you are at fault, this auto policy will pay for the damages.
• Actual amount of damages: If you have lesser amount of medical expenses, you will not get the complete coverage limit, but you will be eligible to get lost wages, rehabilitation and hospital treatment cover, under insured coverage, collision coverage and funeral expenses.
In case, with the help of the injury lawyer you file a tort claim, it gives you a chance to be eligible for compensation that will cover any losses which is not covered by your insurance policy. These are future medical costs, wage loss, pain and suffering and loss of enjoyment in life. If you are not satisfied with the ICBC damages, you have the option of taking your claim to court. That is one of the reasons that you need to work with a lawyer that has extensive experience in trials and out of court settlements.