Monday, June 1, 2015

ICBC Tip-of-the-Month (June 2015): Top 10 Mistakes (#6)


TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM


Mistake #6: You Attend an ICBC-Appointed Doctor Without Seeing Your Own Medical Specialist. 

ICBC often uses the same medical specialists. Sometimes, those specialists prepare written reports for ICBC that may well help your case, but you won't know this because ICBC claims privilege over the reports.  Those specialists may well prepare reports that hurt your case.  

Seek legal advice if ICBC asks you to see its chosen specialist. In 2014, these are examples of the doctors that ICBC often used:

  • Dr. Martin Grypma (orthopaedic surgeon)
  • Dr. Petar Kokan (orthopaedic surgeon)
  • Dr. Rehan Dost (neurologist)
  • Dr. Stephen Maloon (orthopaedic surgeon)
  • Dr. Bishop (family doctor with interest in orthopaedics)
  • Dr. Sovio (orthopaedic surgeon)
  • Dr. Leith (orthopaedic surgeon)
  • Dr. Reebye (orthopaedic surgeon)
  • Dr. Levin (psychiatrist)

This information, along with other specialists used by ICBC can be found at ICBC's website where they detail their vendor payments. You can also compare the specialists MSP billings, which is readily available to the public. 



Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)



settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win

Friday, May 1, 2015

ICBC Tip-Of-The-Month (May 2015): Top 10 Mistakes (#5)


TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM


Mistake #5: You Are Not Prepared For Your First Meeting With An ICBC Adjuster

The initial meeting with ICBC can be complicated and sets the foundation for your claim.  Before seeing ICBC, contact your doctor's office, physiotherapist or chiropractor and confirm that dates that you received treatments before the accident in relation to prior health problems.  ICBC is often looking for "the pre-existing condition" to diminish your current claim. See previous post on pre-existing conditions: click here. 

If you think you are partly at-fault for the collision, speak to an experienced ICBC personal injury lawyer immediately so they can prepare you for the initial interview or take over conduct of the matter to protect your interests. Failure to do this could jeopardize your claim. Getting yourself into a dispute about fault can be stick-handled better by a lawyer. 

Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)



settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win

Wednesday, April 1, 2015

ICBC Tip-of-the-Month (April 2015): Top 10 Mistakes (#4)


TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM


Mistake #4: Your Doctor Does Not Examine You Regularly After Your Accident

It is extremely important that your doctor examine you fairly regularly during the initial period of significant pain, at least once per month (twice if possible).

If a significant injury is later discovered ie. rotator cuff tears, disc bulges, labral tears etc, then it can become difficult to obtain medical opinions connecting those injuries to the incident. Your family doctor may not support the case if he/she feels they didn't discover it earlier.  There is a medical presumption that the pain would have been severe enough to seek medical attention, which on examination, would have been discovered. 

If you notice sharp, significant pains, especially the kind that radiate to different body parts (from your neck to your arm to your fingers, or from your back to your leg to your toes) make sure it receives the right attention from your doctor and rehab professionals. Also push for an xray, CT scan, and/or MRI if necessary. These kinds of symptoms are neurological and require better investigation. It can often take a good heart to heart with your family doctor to get better investigations done.  

Of course, seek legal help from an from experienced ICBC personal injury lawyer. 


Perminder Tung 778-289-9513 ptung@lklaw.ca





Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)



settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win

Sunday, March 1, 2015

ICBC Tip-of-the-Month (March 2015): Top 10 Mistakes (#3)


TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM


Mistake #3: After Your ICBC Accident, You Are Examined At Different Walk-In Clinics

Try to find a family doctor.  The College of Physicians and Surgeon's website maintains a list of clinics taking on new patients (click here). 

If you can't find one, then chose one doctor at a single walk-in clinic and only see that doctor for the life of your injury claim. Check to see which shifts that doctor works and work around his/her schedule. 

WHY? In ICBC cases, it becomes important to seek an opinion from the attending physician. If you have been seen by a series of different doctors, that opinion can be very limiting.  Also, your injuries will have the attention of one caring physician, rather than a transient single visit.

Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)



settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win

Tuesday, February 10, 2015

ICBC Tip-of-the-Month (February 2015): Top 10 Mistakes (#2)


TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM


Mistake #2: You Do Not Get All The Treatments You Need

ICBC often stops funding treatments even though your family doctor supports further rehabilitation (massage, physiotherapy, chiropractor, active rehab etc.). For example, after the first 12 physiotherapy sessions, your doctor and physiotherapist support another round of 6-12 sessions. The handling ICBC adjuster denies ICBC coverage for the further sessions. The biggest mistake is that you stop attending physiotherapy because ICBC said so. 

You have a duty to mitigate your damages and ICBC is setting you up for failure, as they will later argue that you didn't follow the advice of your doctor and physiotherapist to get better. The court and ICBC will not buy the argument that "ICBC stopped approving the sessions, so I stopped going".  See previous post on the issue of mitigation: click here.

Advice: you have to either fund the rehab privately yourself and recover those expenses in your tort claim OR try to find a clinic that will give you a Direction to Pay. 

Direction to Pay: an agreement between you and the clinic that the clinic will advance the treatments on a running account and you recover the expenses once your claim settles, as long as you present their account as a special damage in your case. 

This area can get tricky and it is best to consult with an experienced personal injury lawyer, like Perminder S. Tung.

Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)



settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win

Thursday, January 29, 2015

Low Impact Collision Results In $150,000 Award



This week, the Honorable Mr. Justice Joyce released his judgement in the matter of Corke v. Andrews et al. 2015 BCSC 118.  The case involved what the Defence Team characterized as a "low impact collision".

Judge Joyce states:

[91]   Despite the very low impact forces of the Accident, I am satisfied that Ms. Corke sustained injury to her mid-back and neck as a result. Even Dr. Horlick accepted that Ms. Corke suffered myofascial injury to her cervical and thoracic spine.
[92]  Dr. Horlick found little, if any, objective support for the chronic pain described by Ms. Corke and attributed the lack of recovery to general lack of fitness. He noted, in particular, that Ms. Corke’s subjective complaints decreased when she engaged in a physical fitness program. He is of the view that Ms. Corke has not reached maximum recovery and that she will continue to experience further recovery if she continues with regular exercise, particularly core strengthening exercises.
[93]  I accept the evidence of Ms. Corke that the pain did spread to other parts of her body over time and became chronic, even though the precise cause of the continuing and spreading pain is difficult to determine.
[94]  In her first report, Dr. Lau concluded that Ms. Corke exhibited symptoms of fibromyalgia and expressed the belief that her chronic widespread pain was likely due to centralization, whereby the pain in one area of the body transitions to other areas. In her second report, Dr. Lau felt that Ms. Corke met the classic criteria for fibromyalgia, but had not developed other common sequelae of chronic widespread pain.
[95]  By the time of Dr. Lau’s second report, Ms. Corke had undertaken a program of core strengthening and physical fitness and had obtained significant relief from IMS, after an initial aborted attempt with that treatment modality. As Dr. Lau noted, by February 2014, Ms. Corke’s symptoms related to her neck and arms had mostly resolved and her primary continuing symptoms were now focused in her mid-thoracic and upper lumbar spine as opposed to her entire spine. In addition, by this time, Ms. Corke was coping better with her ongoing symptoms, both psychologically and functionally.
[96] Dr. Lau was doubtful that Ms. Corke would achieve full recovery and believed she would continue to have some ongoing myofascial complaints with more disabling flare-ups from time to time. However, she was also of the opinion that further functional improvement was highly possible.
[97]   Dr. Lau’s opinion that Ms. Corke could expect further functional improvement is shared by her family physician, Dr. Jackson.
[98]  I find that as a result of the Accident, Ms. Corke suffered injury resulting in myofascial pain that spread, over the next several months, from her back and neck to other areas of her body. With treatment and exercise, the pain became more localized in her upper back and chest area so that, by approximately two and a-half years after the Accident, the pain was felt mainly in her thoracic spine and chest.
[99]         In my opinion, Ms. Corke undertook appropriate treatments as recommended by her medical advisors. On a review of the evidence, I am satisfied that Ms. Corke has experienced a reduction in both the number and severity of her symptoms as a result of the medical treatments and the exercise programs that she has undertaken.
[100]     It is my opinion that while Ms. Corke is not currently asymptomatic and will likely continue to suffer some ongoing discomfort, she has recovered significantly from the effects of the Accident. I accept that Ms. Corke will likely experience flare-ups from time to time resulting in increased pain, which may be treated by IMS treatments. I am of the opinion, however, that Ms. Corke has achieved significant functional recovery and is likely to achieve further functional recovery. She is currently able to attend to the physical demands of daily living, although she has to be careful to pace herself so that she does not aggravate her symptoms.
[101]  Ms. Corke’s symptoms have affected her ability to enjoy her social life with her friends and her daughter. She is less able to entertain, go to movies and go on long journeys.
[102]  I am not satisfied that Ms. Corke is at any higher risk of future injury as a result of the Accident.
...

Summary of Damages

[187]     In summary, I award Ms. Corke the following damages:
Non-pecuniary damages:
$75,000.00
Past income loss:
$7,440.00
Loss of earning capacity:
$58,000.00
Cost of future care:
$3,535.00
Special damages:
$10,814.28
Total Damages:
$154,789.28


Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)

settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win

Tuesday, January 13, 2015

ICBC Tip-of-the-Month (January 2015): Top 10 Mistakes (#1)


TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM


Mistake #1: You agree with ICBC to an excessive reduction of your wage loss claim from gross to net

ICBC will often claim that they are entitled to reduce your income loss claim by 30% to arrive at a net figure.  This deduction should usually be much less.  

WHY?  The deduction depends on what tax bracket you would have otherwise fit into for that particular tax year. 30% is close to the highest tax bracket.  

TIP: Agree to only a small deduction for income tax and EI premiums. Always feel free to consult with an experienced personal injury lawyer, as this is often more complex. 

Similar question and previous post: is my settlement taxable?.


Do you have questions about your ICBC personal injury claim or accident?  If so, click here arrange your free consultation with  ICBC Claims Lawyer Perminder S. Tung (Services provided for ICBC injury claims throughout all of BC: Vancouver, Surrey, Langley, Burnaby, Richmond, Abbotsford, Chilliwack, Tri-city area and all over BC)

settlement, ICBC, lawyer, personal, injury, claims, trial, experience, pain, suffering, adjuster, compensation, wage, loss, cases, assessment, award, insurance, corporation, of, british, columbia, capacity, earnings, surrey, langley, lklaw, perminder, tung, punjabi, indian, white, rock, south, chilliwack, vancouver, port, moody, coquitlam, best, settlement, icbc, injury, claims, new, westminster, court, win