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Car accidents: The basic damages covered by ICBC

All British Columbia drivers must have insurance coverage that is provided by the Insurance Corporation of British Columbia (ICBC), which is a provincial Crown corporation. When car accidents occur, the insurance provider will cover basic damages. This may even apply if the insured driver is partly at fault.

ICBC will inform a car accident victim whether the necessary medical care will be covered. The adjuster will also advise the injured person whether he or she must settle the medical bills and then claim reimbursement, or whether the insurer will pay the medical service provider directly. Typical coverage includes the ambulance services and medication, along with physiotherapy, chiropractic treatment and registered massage therapy.

Insured individuals are advised to make sure they consult with medical practitioners, such as chiropractors, who are registered with ICBC. Those professionals will receive direct payment from the insurers. If unregistered practitioners are used, the injured person must pay and then submit the claims to the insurer. ICBC will also assist with providing recovery programs that may speed up recuperation.

ICBC provides only basic coverage, and injured victims of car accidents may find the support and guidance available from experienced British Columbia personal injury lawyers helpful. A lawyer will work for the victim and assist when dealing with the insurers. With the help of legal counsel, it might be possible to recover additional damages that may even include lost income, pain and suffering and more. A lawyer can help to prove negligence, which will be required by the court before it will adjudicate documented claims for damages.

Source: icbc.com, "Treatment & recovery", Accessed on June 23, 2017

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