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Difference between revisions of "Insurance Benefits for Accident Victims"
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==Common questions== | ==Common questions== | ||
===What are “no fault” insurance benefits?=== | ===What are “no fault” insurance benefits?=== | ||
'''“No fault” insurance benefits''' refers to support that’s available to all parties involved in an accident, regardless of who was responsible (“at fault”). ICBC uses a no fault insurance model, called | '''“No fault” insurance benefits''' refers to support that’s available to all parties involved in an accident in British Columbia, regardless of who was responsible (“at fault”). The Insurance Corporation of British Columbia (ICBC), which provides universal auto insurance to British Columbians, uses a no fault insurance model, called “enhanced care.” Enhanced care is included in basic Autoplan insurance coverage. Everyone who owns a motor vehicle in BC must have this basic coverage from ICBC. | ||
===What type of benefits are available through basic Autoplan coverage?=== | ===What type of benefits are available through basic Autoplan coverage?=== | ||
There are a range of accident benefits available through ICBC’s '''basic Autoplan coverage'''. | There are a range of accident benefits available through ICBC’s '''basic Autoplan coverage'''. Included are enhanced accident benefits, which can help you with the cost of medical care and rehabilitation if you’re injured in an accident. You may also be entitled to wage loss benefits, if you’re unable to work due to an injury from a crash. | ||
Other benefits available to those hurt in an accident include: | Other benefits available to those hurt in an accident include: | ||
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* a lump sum payment if you sustain a permanent impairment | * a lump sum payment if you sustain a permanent impairment | ||
For a closer look, see | For a closer look, see [https://www.peopleslawschool.ca/insurance-benefits-for-accident-victims/ the People's Law School page on insurance benefits for accident victims]. | ||
===My car was | ===My car was totalled in a crash and the other driver was found to be 100% at fault. Can I sue them?=== | ||
Generally, no. Under ICBC’s no fault insurance model, accident victims cannot sue the at fault driver for compensation. Instead, your own insurance will cover you. ICBC’s basic Autoplan insurance includes up to $200,000 of basic vehicle damage coverage. This covers repairs to your vehicle when the other driver is found to be at fault. | Generally, no. Under ICBC’s no fault insurance model, accident victims cannot sue the at fault driver for compensation. Instead, your own insurance will cover you. ICBC’s basic Autoplan insurance includes up to $200,000 of basic vehicle damage coverage. This covers repairs to your vehicle when the other driver is found to be at fault. | ||