Anyone in British Columbia who is insured with the Insurance Company of British Columbia may find comfort in knowing that their damages will likely be covered, regardless of who was at fault. However, what about someone who is left debilitated by a car accident? This is where the ICBC total disability benefits come in — also called Part 7 benefits. The severity of the injuries will determine to which benefits an accident victim is entitled.
Although the benefits cover medical expenses that include therapeutic services and assistance aids, the ICBC will only pay for what it regards as reasonable. This might lead to some claims being challenged. Part 7 benefits also provide coverage of rehabilitative services such as a wheelchair, home care and the costs of altering a home to accommodate the victim’s handicap.
Wage benefits form part of the plan for injured accident victims who can not return to work, but only if they were employed when they were injured, or for more than half of the year before the accident. It covers a percentage of the previous salary, but not more than a weekly payment of $300. Those who are not eligible for wage benefits might qualify for homemakers benefits, which have different requirements.
Part 7 benefits also cover the costs related to end-of-life arrangements if the accident caused the insured person’s death. Death benefits include other payments to which the surviving family members might be entitled. These will depend on the role the deceased person played in the family, and his or her relationship with dependents.
Nothing is ever simple when it comes to insurance. For that reason, most crash victims in British Columbia choose to utilize the services of an experienced personal injury lawyer who can explain the intricacies and answer questions about ICBC benefits. A lawyer can assist with the navigation of the claim and protect the rights of the car accident victim.