JavaScript Is Not Enabled!
Learn how to enable JavaScript in your browser.

Report-a-claim in the Lower Mainland by calling 604-520-8222 or 1-800-910-4222 for the rest of B.C.

Working out the settlement

When Sally was assessed AT FAULT for the crash that injured her

DISCLAIMER
This is a fictional example created to demonstrate ICBC's general approach in settling injury claims. However, every settlement is different, depending on the unique circumstances of each case.
Jim Tsui

Jim is Examining Adjuster at ICBC's East Vancouver Claim Centre.

This is how he would approach a settlement for Sally.

At fault

Sally was assessed 100% liable [click for definition] for the crash because independent witnesses described events leading to the crash that confirmed she had been careless in making a lane change, and the other driver had not been. Because of this, she was NOT entitled to Compensatory Damages.

Entitlements

Details of settlement

ICBC Accident Benefits
Wage Loss benefits: Under ICBC's Accident Benefits program, Sally is entitled to maximum Wage Loss payments of $300 per week. However, how much she will ACTUALLY receive under this program will depend upon other benefits she is eligible to receive from EI (Employment Insurance) or any other disability insurance to which she is entitled.

To ensure she receives maximum benefits from both ICBC and EI, Sally should apply immediately for EI benefits as there is a a one-week waiting period before ICBC Wage Loss benefits start. If she is covered under other disability insurance, she should notify the company providing that insurance of her injury and also inform her ICBC adjuster about this additional disability coverage.

Vehicle repair costs
The entire cost to repair Sally's vehicle, less her collision deductible, was paid by ICBC directly to the repair shop she chose.

Other protection
The other motorist was not injured, but his car had $2,300 damage. Sally's Third Party Liability insurance paid for those repairs.