ICBC is required to provide accident benefits to anyone who has been in an accident and qualifies for the benefits. They are often referred to as “no fault” benefits because everyone is entitled to them even if you were negligent and the cause of your own injuries.
In order to be entitled to receive benefits you need to qualify as a “insured” person, which means that you or someone in your household owns a vehicle owners you hold a valid driver’s license, you are a cyclist or pedestrian who collides with a vehicle owned and registered in British Columbia, or you are a passenger in a vehicle licensed in British Columbia.
The benefits which are available consist primarily of medical or rehabilitation benefits where ICBC can assist in payment for necessary medical, surgical, dental, hospital, ambulance or professional nursing services, or for necessary physical therapy, chiropractic treatment, occupational therapy and other approved treatments. In severe cases the benefits would also cover necessary appliances or adaptive aides, modifications to vehicles or residences and the provision of attendant care or home care services. In addition, if you were employed at the time of the accident or had been employed for a minimum of 6 months during the last 12 month period, you may qualify for a disability benefit based on a percentage of your earnings up to a maximum of $300 per week.
Accident benefits can be a vital and important resource if you have been injured and require medical treatment, and particularly if there is financial pressure as a result of being unable to work as a result of the accident.
Being entitled to and receiving these benefits can be complicated and difficult to understand. A personal injury lawyer at Morelli Chertkow LLP will be happy to assist you in understanding what benefits you may be entitled to.