#No Fault Insurance

[blogsbyakarsh]

No-fault Treatment in New York City- HEMA

As per Forbes statistics, NYC had 275+ daily car accidents in 2022, with 38% causing injury or fatality. While cruising the city's roads, accidents can occur (Heaven Forbid)! Being a no-fault state, you're entitled to insurance reimbursement for healthcare needs from the accident, regardless of fault. This covers medical expenses post-accident.

Contact us for more- https://www.hemadrs.com/contact

[stalawyers]

ICBC No Fault Insurance Model: What does this mean?

In recent years, there have been major changes to the ICBC system. ICBC insurance claim no fault model changes restrict an accident victim’s right to bring litigation after a motor vehicle accident. These changes have caused a lot of confusion for accident victims, especially when it comes to claims for compensation. If you are wondering whether you can still make an insurance claim or want to know how ICBC’s current “no fault” insurance scheme impacts your compensation, this article is for you.

Top 5 FAQs regarding ICBC’s no fault insurance model

1) Can I make a claim if I have been in a car accident?

The new ICBC system introduced May 1, 2021 is as ICBC insurance claim no fault model https://simpsonthomas.com/blog/2021/08/24/icbc-no-fault-auto-insurance-model-what-you-need-to-know/ that all but eliminates your ability to file a lawsuit against a negligent driver.

If a car crash occurs after April 30th, 2021, and you fall victim to it, you cannot sue the at-fault driver for compensation for your injuries, unless authorities convict the driver of a criminal driving offence related to the crash, such as drunk driving.

While you are no longer able to sue the at-fault driver for compensation except in limited situations, you can make an ICBC insurance claim under Enhanced Care for accident benefits. Accident benefits under Enhanced Care include medical care (for example, chiropractic treatments, medication, and counselling) and income replacement if you can’t work because of the accident injuries. There are no more damages for “pain and suffering.”

If the accident seriously injures you, you qualify for a lump sum payment as compensation for permanent impairments like loss of mobility, scarring, amputation, or other enduring damages to a body part or function. The ICBC no fault model determines a percentage for injuries based on the impairment level and category/type, and this percentage dictates the lump sum amount you receive for your injury.

2) Do I have to use up my extended health benefits before ICBC will pay for treatment?

Yes. If you have coverage from another provider (e.g., extended health care through your employment or disability insurance that you purchased on your own), ICBC considers your other insurance as the primary payer for most medical expenses. https://simpsonthomas.com/blog/2022/02/04/icbcs-no-fault-insurance-model-can-you-claim-out-of-pocket-expenses/ So even if you weren’t at fault for the accident, you have to claim against your own coverage first when you bring an ICBC claim.

3) How much will ICBC compensate me for a written off vehicle?

If your vehicle is unrepairable (also known as a “total loss” or a “write off”), ICBC calculates your vehicle’s value at the time of the accident and pays you out based on its assessment of fair market value. ICBC will consider things like the year, make and model of your vehicle, its total mileage and its pre-crash condition. You may still need to pay deductible if your vehicle is written off.

4) I’ve missed time from work due to my injuries, will ICBC compensate me for this?

If you were employed at the time of the accident and you are unable to work because of your injuries, you are eligible to receive wage loss benefits. https://simpsonthomas.com/blog/2021/11/25/icbcs-no-fault-insurance-can-you-receive-wage-loss-compensation-under-enhanced-care/  

If you are eligible, income replacement under ICBC’s Enhanced Care covers up to 90 percent of your net income each week, up to a cap of $105,500 gross annual income (in other words, if you earn more than that per year, you will not be adequately compensated unless you purchased additional coverage). Under the old ICBC system a car accident victim could sue the at-fault driver to recover all lost wages, not just a portion of them.

Even if you are eligible for income replacement, you will not receive wage loss benefits until the 8th day after the accident. In other words, there is a 7-day waiting period before income replacement kicks in, and ICBC benefits do not cover your first week of lost wages. https://simpsonthomas.com/blog/2021/11/25/icbcs-no-fault-insurance-can-you-receive-wage-loss-compensation-under-enhanced-care/

Another catch? The ICBC insurance claim no fault model is secondary to any other wage loss benefits available to you, such as an employer plan, Employment Insurance, or disability benefits. Because ICBC no-fault wage loss benefits are secondary, you MUST apply for other benefits first, and then your income replacement benefit calculation will take those benefits into account.

5) If you caused an accident, can others still sue you?

Yes, others can sue you in specific situations if you caused the accident. For instance, if authorities convict you of impaired driving related to the crash, injured parties can sue you. If you played a different role in causing the accident, such as a pub owner accused of serving too much alcohol to a patron who then caused a car accident, they can also sue you. Importantly, even if the accident injured you and you were entirely at fault, you qualify for accident benefits under Enhanced Care. https://simpsonthomas.com/blog/2021/08/24/icbc-no-fault-auto-insurance-model-what-you-need-to-know/

Contact STA if You Have Questions about No Fault

About Simpson Thomas and Associates:

STA is a prominent law firm, with a rich history of over 50 years. It is based in the lower mainland with offices in Vancouver and Surrey.

The firm is active in various practice areas. Namely, personal injury, family law, immigration, employment law, estate litigation, and insurance denials.

STA commits to serving the community with its legal expertise. Also, actively support causes that enhance the well-being of individuals and families.

Reach out and consult with us:

Phone: (604) 689 – 8888

Email: info@simpsonthomas.com

[notmusa]

[its-hai-time]

Me: I don't understand people who project their experiences onto fictional characters, the beauty is that they're *not* you

Also me after one incredibly minor fender bender: I have to write Klavier Gavin getting into a car accident or I will explod

[petewentzisblack1312]

hi my name is dils, im a black multiply neurodivergent and mentally ill disabled butch lesbian from the caribbean island of st lucia. i dont want to really sing a sad song for my supper and divulge all the reasons why im asking but my family and i need help right now so id appreciate some assistance.

paypal @ dilsdoes or dilsdoes(@)gmail(.)com (parentheses to avoid spam)

i dont have venmo or cashapp because im not american sorry

you can also buy something from my shop or sub to my ko-fi if you'd like something in return or like my work. in the future i plan on offering animated pixel art favicons and allowing ko-fi subscribers to suggest, sponsor or commission them, and also pixel art wallpapers for phones and pc. ko-fi subscribers will also be able to suggest what i do for those too.

[motleyfam]

So like, 3 days ago I got an email from my car insurance company like “Congrats! You’re such a safe driver—as proven by having gone X many years without filing a single claim on your policy—that you now qualify for XYZ special program exclusively available for our safest drivers! 😃”

….And then yesterday I hit a deer 🫠

[watermelinoe]

some of you are like well i refuse to vote democrat because when the rapture revolution comes i want to be morally pure

[dumbbullet]

The COBRA representative if not responsible for the frustration I feel for the world at large The COBRA representative if not responsible for the frustration I feel for the world at large The COBRA representative if not responsible for the frustration I feel for the world at large

[werebutch]

My sister (who recently crashed my moms car) has been using my car to teach her boyfriend how to drive without telling me ! Awesome

[a-story-teller]

I was in a major car accident yesterday (got t-boned) and was very luckily a) alone in the car, as the passenger side got walloped and b) not injured. However I took care of everything and then went home and proceeded to sleep for 19 out of the following 24 hours.

[mrgaretcarter]

today has not been easy peasy lemon squeezy

[the-oracle-of-the-lost]

i deserve to kill insurance companies actually.

[poisonpercy]

Wishing you the best of luck with your difficult situation, I’m sorry this is all happening to you <3

Lol thanks. It’s super annoying and my family and I are all pissed off. I will say, you would think that when involved in a hit and run, the person that caused the accident and fled the scene would be found at fault. Apparently, insurance doesn’t agree.

[fearforthestorm]

got in a fucking wreck on my way to get lunch how's y'all's monday going

[syrenki]

my family was just robbed of two thousands and my grandmother was denied a permanent residence card despite her daughter and grandchildren having lived here for 20 years and despite her being 80, so she can only spend a total of 90 days here in the next 5 years, and we can't visit her because we'll be arrested as soon as we cross the border, all this together meaning she will probably die alone there. and how are the rest of you all doing

[kajiimotojiiro]

Another disadvantage is working the hellish job that is Retail Healthcare which shouldn't even be a thing bc you should not have to pay for medications but. Also.

Help.