31 Jan Top 5 Mistakes When Dealing With ICBC
Get the best settlement from ICBC by avoiding these mistakes
If you’ve been in a car accident and are now in the midst of an ICBC claim, it’s important you take the necessary steps to ensure you receive a fair settlement. Often, the best way to make sure you receive a fair settlement with ICBC is by avoiding common mistakes – it’s addition by subtraction.
Though ICBC, and your adjuster, may make you feel like they have your best interest in mind, they actually have a set of internal procedures/goals which are contradictory to your best interest. In this article, I hope to help you by providing the mistakes with ICBC claims we see most often at our firm, Mussio Goodman.
5. Not Contacting a Personal Injury Lawyer
ICBC does not want you to get a lawyer. Without a lawyer on your side, ICBC controls the majority of the claim process and can take advantage of your situation. People do not contact lawyers because, often, they think lawyers are expensive. However, most personal injury lawyers in British Columbia work on contingency, meaning they take a percentage of your settlement once paid from ICBC. This lessens the risk for claimants and makes getting the proper legal representation accessible and affordable. We compiled a list of Common Questions for ICBC, which I recommend reading as well.
4. Not Seeing Your Doctor / Following Their Advice
Getting better requires proactive efforts from claimants. This means going to see your physician and heeding their advice. If you do not follow your medical professional’s advice, ICBC will use this as a counter-argument to your claim. Do you really want to get better?
3. Not Keeping Track of Medical Receipts
ICBC will cover the cost of your physiotherapy, doctors appointments, and other treatment. However, you as the claimant have to be able to produce your receipts so ICBC can reimburse you accordingly. Your word is not good enough. I would recommend taking a photo of every receipt related to your recovery and storing it online in your iCloud, Google Drive, Dropbox or any other online storage program. Drop all original receipts into an envelope for safe keeping unless they are forwarded on to your lawyer or ICBC.
2. Putting Too Much on Social Media
ICBC will look at all of your social media accounts to see what you’ve been up to. If you’re in an ICBC claim, make sure you maximize the privacy to avoid a creeping adjuster or defence lawyer. Also, it’s not a good idea to be going for hikes and then post photos/videos of the experience all over social media. Your goal should be to get better and to receive a fair settlement from ICBC not brag about life experiences all over social media. Here is a whole article on ICBC Using Social Media Against You.
1. Not Telling the Truth
This piggybacks off the last point. If you’re not being truthful to ICBC around your claim, they will most likely find out, and when they do, your efforts towards a fair settlement will be highly compromised. Do not lie, period. Tell the truth to your lawyer, and let them set the course of action with ICBC. You wouldn’t try and play basketball against an NBA player, so why would you try and take on ICBC without legal representation?
Written by Wes Mussio of Mussio Goodman Law Group
Photo credit: Ioannis Pantzi / Shutterstock