Most people driving in Victoria will have ICBC auto insurance, as it’s the mandatory government-owned insurance policy all BC residents are required to purchase. Yet this doesn’t mean getting compensation after your car accident will be easy.
Like any insurance company, ICBC tries to keep its expenses low. This means the goal of the insurance company is to pay accident victims as little as possible. If your injuries are likely to cost more than what’s covered by basic accident benefits you’ll need help from a seasoned ICBC lawyer.
Merchant Law can provide this help, and can help you get the compensation you deserve.
STEPS TO TAKE AFTER A VICTORIA CAR ACCIDENT
The strength of your case will depend, in part, on the steps you take directly after your automobile accident.
- Always move your vehicle to a safe location and call the police.
- Be careful what you say. Don’t say “I’m sorry.” Don’t say “I’m fine.” Don’t volunteer information. Answer only the questions asked by police and be careful with your answers. The statements you make on the scene can be used against you later.
- Get the other driver’s contact and insurance information. Just because you are both likely to have ICBC doesn’t mean you shouldn’t do this. You’ll need the driver’s policy number.
- Get the names and numbers of any witnesses.
- Take photographs of the scene.
- Get medical attention, even if you feel okay. Adrenaline often masks serious injuries. Follow all medical instructions.
- Retain an ICBC lawyer as soon as you’re medically able to do so. Try to do this before speaking to any representatives from the insurance company, as they will try to prompt you to make statements which could hurt your case later.
Some accident victims don’t call us until months have passed. We have worked around this limitation before. We’ve also helped victims who were too injured to take most of these steps after their accident. As long as the limitations period hasn’t expired there’s no harm in contacting us to find out if you have a case.
HOW ICBC WILL BUILD ITS CASE
ICBC pays you less money when you’re at-fault, so will try to build a case that you were at least 50% responsible for the accident. If they insure both drivers, they benefit the most if they can state that both drivers were more or less equally at fault.
They also pay less if they can prove you failed to “mitigate your loss.” This is one reason why it’s so important to get immediate medical attention, as doing so is a form of loss mitigation.
You need lawyers who will carefully examine the facts of the case and who will build a strong argument that gets you paid.
HOW CAN A VICTORIA ICBC LAWYER HELP?
As dedicated and determined car accident injury and ICBC lawyers our primary goal is that we help fight for our clients’ right to the most compensation they are entitled to receive from ICBC or any other responsible party to the fullest extent of BC law. Our office can help with:
- Car accidents and all ICBC claims
- Motorcycle accidents
- Truck accidents
- Car accidents with bicyclists
- Car accidents with pedestrians
- Car accidents with skateboarders
- Car accident victims of drunk drivers
- Hit and run accidents / Unidentified motorists
- Accidents caused by debris or city negligence
- Accidents caused by highway construction or negligence
- SUV and ATV rollovers
- Out of province / out of state accident claims
- Slip and fall accidents / Occupier’s liability
Common car accident injuries in victoria
If you have been involved in an accident you are not alone. In 2017 alone the BC government reports 90,276 injury and fatality cases across the province. Our Victoria injury law team take our duty to clients exceptionally seriously because we know just how horrific the most severe car accidents can be. The reality is unfortunate but true: Bad auto accidents in Victoria occur every day causing life changing injuries ranging from serious to catastrophic.
Some of the common types of injuries you may have suffered as a result might include:
- Traumatic brain injuries / Concussions
- Permanent disability
- Neck and back injury
- Broken bones and fractures
- Spinal cord injuries
- Cuts and lacerations
- Nerve damage
- Herniated Discs
- Scars and disfigurement
- Joints and ligaments injury
- “Whiplash” or soft tissue injury
- Fatalities and Wrongful Death
Beyond the physical injuries listed above, our lawyers know very well that victims of bad auto accidents can suffer tremendous non-physical or phycological trauma too. Are you suffering from depression, or emotional upset? Perhaps you are feeling isolated and alone after the accident since you cannot partake in the same activities you formerly could, either on your own, or with friends and family. Relationships can be made to suffer, sometimes couples break up over it. Finances can become strained if there is a loss of income from employment. Being injured is terrible and the law must compensate the victim for all heads of loss. After all you were not the negligent motorist. This is not your fault!
With loss of work there is loss of income. These economic losses have to be accounted for too. And depending on severity, your injuries may be causing you a future loss of earnings for the rest of your life. Our Vitoria injury lawyers will fight to get you every bit of compensation to which you are legally entitled and deserve. Including any claim for loss of earnings as may be appropriate. Let our experience work for you.
WHY MERCHANT LAW?
Our lawyers are experts at dealing with ICBC. We have a long track record of helping clients just like you.
It’s easy to get started. Contact us for a free consultation today. Just call (250) 385-7777 or visit our offices at: 810 Humboldt St, Suite A02, Victoria, BC V8V 5B1, Canada.