What To Do When The Other Driver Is Not Insured?

While it is required by law to obtain basic “autoplan” coverage, many drivers still navigate the road of British Columbia completely uninsured. Should the time ever come and you get involved in a car accident with one of these uninsured, or under-insured, individuals, you will be relieved to know that there are still ways in which you can receive compensation for your losses.

Accident Benefits

“No-fault” benefits, also referred to as “Part 7” benefits, make you eligible to compensation regardless of whether you are found liable for the accident or not. If your were injured during an accident, be it as a motorist, motorcyclist, or even a pedestrian, you can file a claim for these benefits. They offer coverage for all medical and rehabilitation expenses with a cap at $150,000, on top of additional, but limited, coverage for wage losses and homemaker benefits.

However, in order to receive these, you will need to comply with the notices and reporting requirements stated by the ICBC. Should you neglect to do so, your claim may be denied. A lawyer will be useful during these steps since they will keep track of deadlines for you, as well as provide evidence which will support your case in front of the ICBC.

Uninsured Motorist Claims

As stated in Section 20 of the Insurance (Vehicle) Act, you may be eligible to file a claim against the uninsured motorist if they are found liable for causing the accident through negligent behavior. However, if you try to do it all on your own, it might be difficult and that is why it is essential to hire the services of personal injury lawyer in Langley, so that they can represent your interests.

The Complexity of Accident Claims

As with all accident claims, the pursue for damages and benefits is never easy, regardless of whether the other involved party was insured or not. However, an uninsured driver, as well as the ICBC, will still fight against you and try to undermine your claim in order to decline it or at least pay minimum compensation. An experienced lawyer will be able to help you through this. They know how to navigate the legal waters of accident claims and will strive with you toward maximum compensation. They will also be capable of telling you which benefits you should claim for, and which legal steps you take next.

How To File A Claim Against Uninsured Drivers

The Basic “Autoplan” package provides coverage for third-party liability, which promises compensation for injury and property damage caused by another driver. Normally, this would be done by filing a claim through the liable party's insurance.