What Decreases Your Money
This is not an exhaustive list. Please obtain Free Claim Evaluation for more information!
If you missed a time limit for your claim, then this may decrease your money or deny you money altogether
Some British Columbia time limits are as follows:
- 30 days to provide ICBC a written statement
- 90 days to provide ICBC with your Insurance Clam Application
- Soon as practicable and no later than 6 months to provide ICBC notice of Hit & Run
- 2 months time limit to serve municipality notice of injury claim
- 6 months time limit to file court action involving municipality
- 2 year time limit to file court action
If You Are Blameworthy For Any Of Your Injuries, then This May Decrease Your Money
There is a legal principle called Contributory Negligence which implies that an injured person can be fully or partially blameworthy for his/her injuries.
From our experience, ICBC often uses the term Contributory Negligence against an injured person when he/she is partially at fault for causing the motor vehicle accident.
Furthermore, we have seen ICBC argue Contributory Negligence against an injured person for failing to wear a seatbelt at the time of the motor vehicle accident.
If you provided a statement to ICBC without consulting a lawyer, then this may decrease your money
From our experience, we have seen many people go to ICBC and provide statements without knowing the consequences of what they are providing. Sometimes typed statements by ICBC are not entirely accurate as injured persons are not able to clearly explain how the car accident happened and ICBC types the statement as they understand it.
From our experience, it is very important to ask clients lots of questions to determine how the car accident happened in order to get client statements correct. We take this job very seriously, as we only act for our clients’ interests.
Statements are very crucial as ICBC can argue that you are at fault for your car accident by looking at the statement that you provided and they typed!
If you failed in getting information on the vehicle and vehicle driver which caused your car accident, then this may decrease your money
Sometimes people involved in a car accident fail to get information on the other vehicle and vehicle driver. And this becomes a major problem, as it is the injured person’s responsibility to make reasonable efforts to identify who caused his/her car accident. If the other vehicle and vehicle driver do not come forward and it is proven that you did not make reasonable efforts to identify the other vehicle and vehicle driver then you could be out of luck for claiming any money.
If you failed to get the contact information for witnesses, then this may decrease your money
It is your responsibility as the injured person to get the contact information of all witnesses from the scene of the car accident.
Witnesses become crucial when the other vehicle and vehicle driver do not accept responsibility for your car accident.
From our experience, we have noted that other vehicle drivers sometimes accept responsibility at the scene of the car accident and later go to ICBC and deny they were at fault or blame you altogether for causing the car accident.
Thus, witnesses are always important.
If ICBC has information which attacks your credibility, then this may decrease your money
From our experience, ICBC, through its lawyers, often compare an injured person’s prior statement with a recent statement to find inconsistencies to challenge an injured person’s credibility.
For example, an injured person may have given ICBC a statement in regards to his/her body pain soon after the car accident and the injured person may later complain of more body parts having pain in a court related examination. This situation may lead to ICBC arguing that an injured person cannot be believed about the extent of his/her injuries as the injured person was inconsistent in explaining the extent of his/her injuries.
Personally, we believe it is unfair for ICBC to use prior statements which were provided by injured persons when they initially went to ICBC thinking ICBC did not have any conflict of interest
If you failed to report all of your injuries to your doctor and/or treatment providers, then this may decrease your money
Sometimes injured persons visit their doctors and treatment providers and they only tell their doctors and treatment providers about their more significant injuries and not the minor ones. This scenario is very problematic as sometimes the minor injuries become the most significant injuries with time. And if the injured person fails to tell their doctor and/or treatment provider about the minor injuries soon after the car accident, then that opens the door to ICBC arguing that the minor injury was not caused by the car accident.
If you injured yourself further after doing treatment not prescribed by your doctor, then this may decrease your money
If an injured person does treatment not prescribed by his/her treatment doctor and the injured person injures themselves further, then the injured person may not be able to get money for that injury.
Thus, it is very important to follow your doctor’s medical advice very strictly to avoid having your car accident money decreased.
WHAT INCREASES YOUR MONEY