The ICBC is British Columbia’s public auto insurance provider, and if you’ve been in a car accident, you’ll likely have to file a claim with them. However, there are a few things you should know before filing to make sure the process is completed without an issue.
Filing an ICBC claim can be a tricky process especially if it’s your first time, but there are a few things you can do to increase your chances of success. First, make sure to obtain the names and contact information of the other drivers involved in the accident, as well as any witnesses. Be as accurate as possible when filling out your claim form, and keep all supporting documentation (e.g. medical records, police reports, etc.) in a safe place. Finally, be patient, calm and stay the course – the process can be frustrating, but it will eventually be resolved.
There are a few honest mistakes that could potentially result in your claim being denied or reduced. Here are six of the most common mistakes to avoid when filing an ICBC claim:
1. Not Obtaining the Owners’ and Drivers’ Contact Information
If you’re involved in an accident, one of the first things you should do is get the names and contact information of the other drivers involved, as well as any witnesses. This will be crucial when it comes time to file your claim. Failure to do so can result in a delay or an outright rejection of your claim.
2. Accuracy and Honesty Is the Best Strategy
Provide honest and accurate information about the accident. Be honest about any pre-existing injuries you have. If you try to hide them and they are discovered during the claims process, it could invalidate your claim entirely. Your best bet is to be upfront and honest from the start.
3. Don’t Forget Who Is the ICBC Adjuster’s Employer
It’s important to remember that the ICBC adjuster works for the Insurance Corporation of British Columbia, not for you. They may try to get you to settle for less than you deserve or pressure you into admitting fault. Don’t be afraid to stand up for yourself and get a second opinion if necessary.
You are not required to provide a signed statement to the ICBC. You are only expected to provide a report which doesn’t need to say how the accident happened. If you do allow yourself to be pressured into writing a statement and it is found to contain errors, it can be used to discredit you. Also, don’t make oral statements to the adjuster as he may be called as a witness later on.
4. Failure to Get Medical Attention Post-Accident
If you’ve been in an accident, it’s important to seek medical attention as soon as possible. This is especially true if you’re experiencing any pain or discomfort. Failing to do so can lead to your claim being denied. The ICBC may try to say that your injuries are not related to the accident or that they’re not as serious as you claim. As a result, it’s important to get checked out right away and keep all of your medical records and documentation in a safe place.
Accept all treatment recommended by your doctor, follow instructions and ensure you see the same doctor all through the medical care process. Don’t exaggerate your injuries but don’t downplay them either.
5. Missing Limitation Deadlines
Your limitation date is the date by which you must have either settled your claim or filed a lawsuit. If you miss this deadline, you will be barred from taking any further legal action and will not be able to recover any compensation. A lawyer can help you navigate the ICBC claims process and ensure that you meet all deadlines.
6. Living The Good Life On Social Media
An injury is expected to have a negative impact on your life. As a result, you’re not expected to be active on social media. The ICBC will likely be monitoring your social media accounts and looking for any evidence that contradicts your claim.
Avoid posting anything about the accident on social media. This can be used against you later on if you decide to file a claim.
The ICBC may argue that you were not as injured as you claimed or that you were actually at fault for the accident. So, it’s best to keep all details about the accident to yourself until your claim has been resolved.
What Steps Can ICBC Lawyers Take to Help You Effectively Avoid These Mistakes?
Our team of experienced ICBC lawyers has helped countless people receive the compensation they deserve. If you’ve been in an accident, it’s important to seek legal advice as soon as possible. We can help you navigate the ICBC claims process and we will work tirelessly to ensure the best possible outcome. Contact us today at [phone] for a free consultation.