The term no-fault insurance can be misleading and is often interpreted to mean that no one is at fault for the accident. In actuality, there is always a determination of fault in an accident.
In British Columbia, no-fault insurance is commonly referred to as accident benefits or Part 7 benefits. These benefits may be available to any party to an accident, regardless of who is at fault.
In order to be entitled to Part 7 benefits you must be an “insured” under Part 7 of the Regulation. Generally, this means you must be either be:
- An owner of an ICBC insured vehicle;
- A member of the vehicle owner’s household;
- A resident of BC who has been properly issued a valid driver’s license and members of that persons household;
- An occupant of a vehicle licensed in BC;
- An occupant of a vehicle not required to be licensed in BC, but is operated by a person properly issued a valid BC driver’s license;
- A cyclist or pedestrian who collides with an ICBC insured vehicle; or
- A resident of BC who is entitled to bring an action as a result of a hit-and-run or accident with an under-insured motorist.
Part 7 benefits include:
- Medical and rehabilitative benefits;
- Disability benefits for employed persons;
- Homemaker benefits; and
- Death benefits.
As a victim of a car accident you may be entitled to recover money as compensation for your damages. Our Vancouver personal injury lawyers have a genuine passion in assisting our clients with their accident claims and are experienced with ICBC claims and matters involving other auto insurance companies.
Contact a lawyer at Slater Vecchio to tell your side of the story and learn about the options available to you.