What Do You Mean ICBC Isn’t My Insurer?

You’ve been injured in a collision through no fault of your own. You know you’re entitled to compensation for your injuries, but you keep hearing that “ICBC is not your insurer”. You have your basic insurance through ICBC, so of course they’re your insurer… right?

Sadly, it’s not quite that simple.

Remember, the accident was the result of someone else’s carelessness, not yours.  This means that you will deal with ICBC in two different capacities:

On the one hand, medical expenses and rehabilitation are benefits that ICBC covers under your policy, regardless of who is at fault.  For these reimbursements, the adjuster acts on behalf of your insurer.

On the other hand, when you seek compensation for your injuries, you ask for damages under the at-fault driver’s insurance policy, not yours.  The very same adjuster who helped with your medical expenses now has the job of ensuring that they pay you as little as possible.  He or she will work against you, and will use anything you have told ICBC to minimize payment for your injuries.

An injury lawyer understands the complexities of auto insurance coverage and will fight on your behalf for the compensation you are entitled to.

If you have been injured in a motor vehicle collision, contact us to arrange for a free consultation.