Vancouver BC Personal Injury Lawyers | FAQ
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Frequently Asked Questions

Personal Injury FAQ

How soon should I speak to a lawyer?

It is valuable to speak to a lawyer as soon as possible. The BC Personal Injury Lawyers can help guide you through the claims process at any stage of your claim.

How do I know if I have a claim?

If you are injured in an accident, you may have the right to make a claim against the person who caused or contributed to your injury. Claims for compensation can be made for injuries suffered in many situations and are often covered by insurance.

Should I talk to ICBC before I have consulted with a lawyer?

No. All discussions with any insurance company should take place after you have been advised of your rights and consulted with a lawyer. ICBC understands if you provide your lawyer’s name and telephone number, and request that all initial discussions be with your lawyer.

What if I am a pedestrian or cyclist and don't have insurance?

You are still entitled to receive benefits from ICBC. In addition, you can start a lawsuit against the at-fault driver.

What if I'm at fault for the accident?

You are still able to receive full accident benefits. If your injuries are serious, these benefits may be substantial.

How much coverage is available?

For no-fault benefits, everyone has the same policy: you are covered for certain medical expenses and income losses, up to $150,000. For third-party liability insurance, every vehicle in BC has at least $200,000 of coverage, and responsible vehicle owners often have $2 million (or more) in coverage.

In addition to the three types of policies listed above, ICBC provides coverage for hit & run accidents (up to $200,000), uninsured drivers (up to $200,000), and underinsured drivers (at least $1 million, with more if you purchased additional coverage).

Who is not covered by ICBC?

While every vehicle owner who resides in BC must purchase third-party liability insurance from ICBC, some organizations are exempt. If your accident was caused or contributed to by a federal government vehicle, a police vehicle, a municipality or an out-of-province vehicle, your claim may not be against ICBC, or you may have both an ICBC claim and a claim against another organization.

What if I have private insurance?

You are generally required to exhaust your private insurance before claiming benefits from ICBC. You also must claim government benefits such as Employment Insurance or CPP disability.

There were witnesses to my accident, what should I do?

If possible, you should get the name and contact information of any witnesses. Sometimes, a phone number can be incorrect, so obtaining more than one piece of contact information is helpful. It can also be beneficial to take a photo of any identifying documents.

What happens if I miss a deadline?

Missing a deadline may limit your claim to ICBC benefits, but it is often possible to activate your benefits even if you complete one or more steps after the deadline. It is important to act quickly. You should contact BC Personal Injury Lawyers as soon as possible.

What other steps should I take when applying for ICBC Benefits?

  • Record the names and addresses of involved parties and witnesses to the accident.
  • Keep your family doctor informed of your injury.
  • Keep a diary or log of your symptoms and how they affect your daily life
  • Record any days you miss work due to your injury
  • Record the names and contact information of your healthcare professionals.
  • Record insurance information.
  • Keep receipts for all related expenses (i.e, medical, prescriptions, transportation). Family members should also record dates and time spent caring for the injured person.
  • Check for other insurance coverage (i.e. through your work, school, or private plans).
  • Contact BC Personal Injury Lawyers to discuss your claim

Questions?

We encourage you to contact BC Personal Injury Lawyers for a no-cost, no-obligation consultation by completing the form below or by calling us directly. We are happy to answer your questions.