Lik

1) Assuming that the other party is at fault, repairs are paid for by the other party's insurance policy.

2) If you had purchased a new vehicle replacement insurance, then there is a chance for you to ask your insurance company to pay you back in full for the vehicle. You wouldn't really need a lawyer to find out whether this can be done or not. Assuming that you have purchase this optional insurance, the best thing to do first is to call up your insurance provider and ask them about it. But I think this new vehicle replacement insurance will only kick in if ICBC deems that your car needs to be written off. Essentially, all this option insurance does is to save you from having to incur any losses on your vehicle due to depreciation.

3) Even if there are no visible / noticeable injuries, it is in your best interest to have everyone checked out by the family doctor. There may be soft issue injuries that you may not be aware of, and some injuries make take up to several days to manifest themselves.

4) The other party really has no responsibilities to look after you once information has been exchanged. After all, it is just an accident. His only responsibility is to provide you with contact information and have his vehicle insurance policy cover for your vehicle repairs, medical costs, etc.

You mentioned that there is frame damage to the vehicle. If that is really the case, then there is a chance that the vehicle will be written off. But at the end of the day, it is really up to the adjuster to decide, based on the extent of the damages to your car.

-Lik

Lik

如果claim amount 係超過insurance o既 coverage, 司機 / 車主應該係要上身架...
ecwkwok 發表於 2010-7-30 03:45

True, but ICBC's mandatory 3rd party liability coverage goes to $500k or $1M, right? And don't people usually have more than that?

Unless there are lots of people / damage / serious injuries involved, it seems kind of difficult to go beyond that liability limit wor?

-Lik

Lik

One more thing:

If you feel sore anywhere, don't just wait it out and think you can let it soreness recover by itself. It is far better to tell your family doctor and ask him to refer you to see a physiotherapist. Then, I'd contact this particular physiotherapist, as I and many of my friends have had very good results from him in the past:

Kelvin Physiotherapy Clinic
(604) 873-8270
Suite 503, 601 West Broadway

ICBC would be paying for initial sessions, depending on how serious your injuries are deemed to be. There is no reason to not seek professional healthcare if you are hurt.

-Lik

Lik

Don't know about the specifics of how courtesy cars work with body shops, but my guess is, body shops generally only have compact or midsize cars available as courtesy vehicles, so you're probably out of luck there. But!!! If you have purchased the optional "loss of use" insurance, then I *think* (meaning I am not 100% certain) you're entitled to a replacement vehicle of the same type as your original vehicle.

-Lik

Lik

Well, accidents ar mah. Shxt happens la.

Yes, you are inconvenienced, but when the other party is 100% at fault, I don't think you have to pay anything out of pocket yourself. That's already the best case anyone can ask for la.

-Lik