When you suffer an injury as a result of a motor vehicle accident, ICBC has a legal duty to provide you with various rehabilitation benefits and possibly wage loss benefits too. These are benefits for which you pay ICBC under your own vehicle insurance.
Generally, when you an injured in a car accident in which you are not at fault and you make an ICBC claim, ICBC represents the at-fault driver under the at-fault driver’s liability insurance. However, because you are also insured by ICBC under your Autoplan coverage, the benefits you purchased in your vehicle insurance include payment towards rehabilitation and in some cases, for income indemnity. ICBC calls these benefits “Accident Benefits”, but the benefits are also known as “Part 7” or “No Fault” benefits.
These ICBC benefits provide a basic level of coverage for such things as physiotherapy, massage therapy or chiropractic treatments.. However, when an injury requires additional therapy you may be entitled to further benefits, including payment for prescription medications, kinesiologists, occupational therapists and gym passes.
At DNC Integra Lawyers, we have the knowledge and experience to review your rehabilitation needs and options to ensure you receive the appropriate treatment for your injury. By liaising directly with ICBC we can help you obtain the full range of Part 7 benefits available to you by law.