Tuesday, January 3, 2017

Top 10 ICBC Claim Mistakes - Tip of the Month #1




TOP 10 MISTAKES TO AVOID WHEN MAKING AN ICBC CLAIM

Mistake #1: 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 20 physiotherapy sessions, your doctor and physiotherapist support another round of 6-12 sessions. The ICBC adjuster denies coverage for the further treatments. 

The biggest mistake is that you stop attending treatments 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 treatment provider to get better. The court and ICBC will not buy the argument that "ICBC stopped approving the sessions, so I stopped going".  

To learn more about your options to get more rehab, see previous post on "What to do when ICBC says NO or REJECTED": click here

To learn more about the "duty to mitigate", see previous post on the issue of mitigation: click here

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





ICBC Lawyer
Partner
Lindsay Kenney LLP
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)



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Thursday, December 1, 2016

ICBC Tip of the Month: When ICBC says "No" or "Rejected"

ICBC TIP OF THE MONTH




When ICBC says “No!” or “Rejected!”

If you have been involved in a car accident and are injured, you may have your rehabilitation treatments funded by the Insurance Corporation of British Columbia (ICBC).  You may also experience, at some point in your claim, the rehab or physio clinic advising you that ICBC is rejecting or no longer funding your physiotherapy, massage therapy, active rehab or other form of recommended treatment. This can be frustrating and builds a certain level of distrust with your insurance company. What can be done about it? Here are some of the options available to you and the reasoning behind each:

1) Hire an Experienced Lawyer

Dealing with a sophisticated insurance company can be complicated and stressful. A lawyer can help deal with the stress by advancing your claim on a number of fronts, including the rehab approval process. A lawyer can take over all communications so that you no longer have to deal with the adjuster directly. Get the advice you need from an experienced lawyer and understand which benefits will be covered at various stages of your claim.

2) Extended Health Coverage

Your primary benefits will cover your rehab expenses to the extent that you have coverage. Extended Health Coverage is often provided by your employer or you may have purchased additional coverage privately. Extended Health Coverage pays for your medicine at the pharmacy (Manulife, Sunlife, StandardLife, Pacific Blue Cross, etc.) ICBC Part 7 rehab benefits are actually secondary benefits in most instances and you could benefit from using these additional private plans.

3) Direction to Pay

Some rehab clinics have discovered that ICBC often rejects continued rehab and/or delays the approval process.  Patients can be left waiting even if they want to work towards getting better faster. Delays can cause patients more stress and more pain. Some clinics offer their patients the option to set up a running account that will be collected upon settlement - these agreements are often called “Directions to Pay”.  You need to review the fine print because quite often, there is an interest component whereby you pay extra for the option to pay later. It’s best to seek legal advice from an experienced lawyer before entering into a Direction to Pay Agreement. If done properly, this can be an excellent way to continue your rehab without the need for ICBC approval or paying out of pocket for each treatment. 

4) Part 7 Action / Law Suit

There are two components to most car accident claims. First is the claim against the other motorist(s) for causing pain and suffering, and other financial losses. People often confuse this as a claim against ICBC, when in fact you are claiming damages from the other motorist directly. This first component is the legal claim against the driver and registered owner of the vehicle that struck you.  The second component of a claim is against ICBC pursuant to Part 7 benefits, also known as no-fault benefits. These benefits are available to all BC motorists, even in situations where you might be at fault for the collision. This coverage provides for basic wage loss benefits, rehab expenses, and some home-making assistance.


It’s important to get the advice you need and understand which benefits will be covered at various stages of your claim. Most lawyers practicing in the field of ICBC injury claims will provide a free initial consultation. Take advantage of that opportunity and book an appointment.  Making informed decisions is key for your path to recovery.


Perminder S. Tung
Injury Claims Lawyer
Partner - Lindsay Kenney LLP
604-888-5811 or 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)


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Monday, August 1, 2016

ICBC Tip of the Month: Realtor Injury Claims - Loss of Deals & Income


ICBC TIP OF THE MONTH: REALTORS & INCOME LOSS

Assuming you are a Realtor involved in an ICBC injury claim, calculating your income loss can be difficult. It is difficult for any one compensated on a commission basis. 

Realtors are particularly unique for two reason:

1) there is the added complexity of real estate markets that go up and down (without any real predictability); and

2) depending on the Realtor's practice, they have systematic ways in which they drum up new business and referrals. This is often referred to as "seed planting", which the Realtor hopes will bear fruit in the future. 

Realtors spend time networking in the community, knocking on doors, sending out flyers, meeting people, and a variety of other ways in which they hope to land buyers and sellers as future clients. If a Realtor is involved in an injury claim, their injuries may impact or diminish their ability to "plant seeds". Lost time in rehab appointments or at clinics could have been used more productively had they not been injured.

The following case is an interesting read for Realtors, I recommend the following paragraphs:

Loveys v. Fleetham, 2012 BCSC 358
  • 217 to 226 for the Legal Principles
  • 227 to 248 for the Position of the Plaintiff and Position of ICBC (the defendants insurance company)
  • 249 to 315 for the Analysis and Awards for Past and Future Income Loss


ICBC Claims are complicated and can cause confusion. If you have any questions or concerns about your situation, always consult an experienced ICBC Claims Lawyer. Book a free consultation and get answers.

Perminder S. Tung
Partner - Lindsay Kenney LLP
604-888-5811 or 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)


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Thursday, June 30, 2016

ICBC Tip of the Month - Do I have an ICBC case if I'm At Fault?




ICBC TIP OF THE MONTH

I am often asked the question: "Do I have an ICBC case when I'm at fault?"

Short Answer: No.

Long Answer: It depends on what you are talking about, so I will break the discussion into a few categories. The real question is whether you are seeking compensation for someone else's negligence:

1) If you caused a motor vehicle accident, and are considered to be 100% at fault, then you are the cause of your own injuries. You cannot claim compensation for causing your own injuries. The funny example I give is that if the opposite were true, people would be slamming their cars into trees and lamp posts and claiming compensation. 

2) If there is a split in fault, for example 50/50 or 75/25 (allocation of responsibility), then it follows that your compensation would be reduced by the percentage of fault attributable to you. For example, if a judge were to decide your injuries and damages were assessed at $100,000, but you were 50% at fault for the collision, then your final award would be $50,000. 


3) No Fault Benefits (also known as part 7 benefits). This is a topic for another blog post for a future date. Here is a link to the act that guides us: Part 7 Benefits. In a nut shell, if you have valid coverage and are considered to be at fault for the collision, then you may be entitled to certain basic benefits for disability, rehabilitation, homemaker and death benefits in the event of death. 

No fault benefits are available, regardless of fault, if you are determined to be eligible for those benefits. In a very basic situation, if you caused an accident and have some injuries requiring physiotherapy, chiropractic care, or massage - then some nominal coverage may be available to you. If there are complex injuries, requiring home care and/or disability benefits, there may also be some coverage available. This "coverage" is not compensation for injuries, it is akin to some basic health benefits. 

ICBC Claims are complicated and can cause confusion. If you have any questions or concerns about your situation, always consult an experienced ICBC Claims Lawyer. Book a free consultation and get answers.

Perminder S. Tung
Partner - Lindsay Kenney LLP
604-888-5811 or 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)


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Friday, April 1, 2016

Let's Start a Trend to Discourage Distracted Driving


Put the Phone Away. It is not that important.

Start a new hilarious trend ... open your hand above the phone and awkwardly smile.

Love it!




Source: great ad from the Government of New Zealand on YouTube.



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)




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Sunday, March 13, 2016

Drive Carefully Friends - Daylight Savings Can Be Dangerous



DRIVE CAREFULLY FRIENDS - DAYLIGHT SAVINGS CAN BE DANGEROUS

Interesting articles have been written about how daylight savings day can be dangerous, and in fact statistics seem to show that it increases the frequency of traffic accidents. 

Here is a link to an article run in Time Magazine.

In addition to leading to poor visibility in darkness, some experts say the requirement for people to abruptly adapt to a time change overnight may lead to dangerous driving. “Even though it’s dark, you’re still behaving like it’s light,” said Lawrence University economist David Gerard, of the first weeks after a time change. People may drive faster, he said, and pedestrians may be less attentive.

Here is an article by Live Science laying out "5 Weird Effects of Daylight Savings".

Drive carefully friends!


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)


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Wednesday, March 2, 2016

BC Supreme Court finds ICBC's conduct malicious in a "false fraud claim" - awards $350,000 as damages



On March 2, 2016, Madam Justice Susan Griffin rendered a significant ruling in a case involving an immigrant couple that was mistreated by ICBC.  She hired a lawyer and brought a civil suit against ICBC for, among other things, malicious prosecution. ICBC was punished for their conduct and ordered to pay the plaintiff $350,000 in punitive damages. Punitive damages are damages exceeding simple compensation and awarded to punish the defendant.

The judge has ordered ICBC and Gould to pay Arsenovski $30,000 for emotional distress and $350,000 in punitive damages.

Here are a couple links to news articles that have hit this morning:




In a nut shell,  malicious prosecution is a common law intentional tort, its elements include (1) intentionally (and maliciously) instituting and pursuing (or causing to be instituted or pursued) a legal action (civil or criminal) that is (2) brought without probable cause and (3) dismissed in favor of the victim of the malicious prosecution. 

This decision is a must read and I will provide a link to the case once released to the public. Arsenovski v. Bodin, 2016 BCSC 359

The judge called the prosecution brought against Danica Arsenovski “malicious,” and found the actions by ICBC and special investigator John Gould “brought fear and shame to a vulnerable person.”

The court says that what happened to Mrs. Arsenovski was "odious".

The couple now into their late 60's moved to B.C. in September 1999 after leaving the war-torn former Yugoslavia.

In January 2000, the couple left an English language class in Burnaby when they were involved in an accident at the intersection of Nelson and Imperial. The couple was in a crosswalk when Arsenovski’s husband was struck by a motor vehicle. Arsenovski herself also fell as a result and was injured.  A week later, the couple was encouraged by a friend to report the accident to ICBC. Their friend acted as a translator, as the couple spoke very little English.

The judge summarized that “Mrs. Arsenovski’s only understanding of the purpose of going to ICBC was that maybe it might pay the medical bills, including the ambulance bill. She was not told that they could make a claim for damages and that this was the reason for meeting with ICBC...” . 

“She said there was not a similar system for making a report about an accident in the former Yugoslavia. ... She did not understand anything about the process at ICBC or think the statement was important in every detail.”

In response, the ICBC adjuster forwarded a report to Crown Counsel, written by Gould, recommending a total of three fraud charges against the couple.   Gould was an in-house special investigator at ICBC.  In the report, Gould alleged that Arsenovski made claims she was hit by the car. The Crown accepted one of the recommendations and charged Arsenovski with making a false statement contrary to the Insurance (Motor Vehicle) Act.

Mrs. Arsenovski had to hire a criminal defence lawyer to defend herself from those allegations.  The court summarized that she went on to have those charges stayed and was successful in defending herself against the criminal charges. The judge has ordered ICBC and Gould to pay Arsenovski the $7,225.34 for legal fees she paid to defend herself in the criminal action.

During testimony in the civil case, Arsenovski said she was so shamed by the false charge that she did not tell her friends, relatives or adult children what had happened. The charge was stayed on the first day of the criminal trial when a lawyer cited weaknesses in the evidence.

In the decision, Justice Griffin found that “Mr. Gould’s handling of the file reveals that rather than operate from a presumption of innocence, Mr. Gould operated from a presumption of guilt in respect of Mrs. Arsenovski".

“Here, the alleged making of a false statement to ICBC was an invention by Mr. Gould. The false statement Mrs. Arsenovski was alleged to have made regarding how she fell was never made by her to ICBC. There was no such statement and so it could not have been false...” 

The court notes that Gould’s report was written in such a way to dissuade the Arsenovskis from filing a civil claim for compensation for injuries:  “Mr. Gould focused on the Arsenovskis’ potential civil claims, which they had not yet filed. He focused on the Arsenovskis being ‘recent immigrants’ who had just applied for ‘refugee status’ and the fact that they were on ‘social assistance.’ ”



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)


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