ICBC or the Insurance Corporation of British Columbia is often the first point of call for insurance claims in British Columbia. Knowing how to file an ICBC claim, as well as a few things about filing an ICBC claim, will help you when you do need to make a claim. We hope that, with this article, you will be in a better position to do so, and you will know exactly what to do when you need to file an ICBC claim. With that said, it is important you also get the advice of an insurance agent.
In this article, we will tell you, as you may have already guessed, six important things to know about filing a claim with the Insurance Corporation of British Columbia. We hope you will find this page educational and informative, and that most of all, that you will enjoy it.
Here are 6 important things to know about filing an ICBC claim.
When you are making a claim with the ICBC, it is important to seek outside advice. Having advice will make everything a lot easier and will help with your ICBC claim massively. You can seek advice with an independent insurance agent, or on a web-forum, or help site. Getting a second opinion is always best when you are intending on making an insurance claim, which can be very complicated, by the way. Always ask for advice before you make a claim so you can be certain it is the right thing for you.
Report an Accident
It is important that, even if you are not making a claim, whether you are at fault or not, that you report accidents to the ICBC. This will help them to calculate how much you have to pay, as well as make changes to your policy. If you do not report accidents to your insurance company, you can get into a lot of trouble. You must always update your insurance company with the status of an accident, be honest, and tell them that one has happened, even if you are not the person responsible for the accident.
When you are making an ICBC claim, it is important that you are prepared, whether you are meeting someone in person, or making a claim over the telephone. It is important that you have all of the necessary documents and the relevant paperwork to your claim. Going unprepared to your claim hearing can be very silly and can affect the outcome of your claim. Do your due diligence and ensure that you have the necessary documentation to support your claim, as well as evidence, dates, times, and parties involved.
If you were not responsible for the accident, you may be able to file a WorkSafeBC claim, providing you were in employment at the time of your accident. WorkSafe BC will review your claim and decide whether or not you qualify for their benefits program. ICBC cannot pay out accident benefits, however, if WorkSafe BC provides you with medical benefits in the aftermath of your accident. You can choose which claim you make for compensation. Be sure to give this some serious thought before you go ahead and make your accident claim, for sometimes, WorkSafe BC will pay out more than ICBC.
It is important that, once you have made your claim, that you check the progress of your application all along the way. Continuously checking the progress report will help you in finding out whether or not there are problems with your claim, which will often result in letters being sent (that can take weeks to arrive). Instead of waiting for the mail to come, check your progress report by telephone, or ask to receive updates by email. Checking your progress will help to allay any anxiety and to ensure you are dealt with fairly and quickly.
You may need legal expertise. We mentioned earlier seeking advice, which is important, but you could potentially forego that suggestion and go straight to a lawyer for advice and their expertise. Lawyers deal with insurance claims every single day of the week and will be able to help your claim move along smoothly, as well as offering advice and suggestions. Legal expertise can be very helpful when you are dealing with an insurance claim. Definitely do not overlook receiving legal expertise in favour of less professional advice. Legal expertise is, without a doubt, the best way to get help with your claim.
In this article, we hope to have explained how you can make an ICBC claim, as well as a few important things to know about your ICBC claim. We hope that you have enjoyed this page and found it beneficial. Thank you for reading and please do visit us again!