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Report-a-claim in the Lower Mainland by calling 604-520-8222 or 1-800-910-4222 for the rest of B.C.

Working out the settlement

When Sally was assessed NOT AT FAULT for the crash that injured her

DISCLAIMER
This is a fictional example created to demonstrate ICBC's general approach in settling injury claims. However, every settlement is different, depending on the unique circumstances of each case.
Cathy Ngai

Cathy Ngai is Examining Adjuster at ICBC.

This is how she would approach a settlement for Sally.

Not at fault

Sally was found NOT AT FAULT for the crash because independent witnesses described events leading to the crash that confirmed that the other driver had been careless in making a lane change, while Sally was not. She was, therefore, eligible for Compensatory Damages.

Entitlements

Details of settlement

ICBC Accident Benefits

Compensatory Damages
The ICBC Third Party liability coverage on the vehicle driven by the driver who hit Sally paid for her compensatory damages.

Cathy Ngai explains why ICBC settlements for the same injury can vary widely for different people:

"This kind of injury, which we would probably categorize as a 'mild whiplash,' affects people in very different ways. Some people suffer very few symptoms and recover quickly. Others suffer more symptoms and take more time to recover. Given the general facts of this case, I have only been able to estimate a possible range of settlement. I would need to know a great deal more about how this injury affected Sally before I could specify an exact amount."

Past wage loss payments of $475 per week for the five weeks she was unable to work. These payments were equal to her usual wages, less taxes and EI premiums.

Vehicle repair costs: The entire cost to repair Sally's vehicle was paid by ICBC directly to the repair shop she chose.