How Do You Know ICBC is Making a Fair Offer?

Posted by McQuarrie Hunter LLP on February 4th, 2020

ICBC is still a business although it might seem like they are your friends and that they have your best interests. As a business, they will try to avoid paying you with compensation more than what you expect to keep the costs down. Also, keep in mind that they also represent the other party, so they will also have to compensate the other party for their losses.

One of the well-known tactics of ICBC when it comes to injury claims is their very low first offer. They will try to low-ball you at first. If you accept the first offer, you will no longer be able to negotiate further claims. It’s a done deal and if you suddenly have more side effects of your injuries, you can’t get additional compensation any more.

This is why should be more discerning when assessing what a fair offer is. To do that, you need to take the following things into consideration:

1. The extent of your physical injuries

Your insurance company will also base the amount from the extent of your physical injuries and what it could mean when it comes to your ability to go back to work or the ability to provide for your family. Your insurance company will also determine how fast your recovery will go and how long you will be unable to work.

You need to provide your complete medical records so that your insurance company will make a more accurate assessment.

2. Consider all your other losses

It’s not just your medical bills that will take a toll on your finances. You will lose your ability to work as well. Depending on the severity of your injuries, you might also be unable to find employment again.

If you are the primary caregiver of your family, especially if you have small children, ICBC should also take that into account. Your injuries might prevent you from providing care to your family so you might have to get additional help or services.

Aside from that, consider emotional and mental anguish as well. Accidents can have a profound effect on your life and that can linger long after your physical injuries have healed. The trauma can even be more incapacitating.

3. Consult an injury lawyer in Vancouver.

To get a clearer idea of how much you should really be compensated for, consult an Injury Lawyer in Vancouver who will review your case and base it from the other cases they have held and defended. With their expertise, injury lawyers will be a better assessment of your case and determine whether your insurance company is low-balling you.

If you need to hire an injury lawyer in Vancouver to represent you in the negotiation process, make sure you choose those with a lot of experience in personal injury cases. Hire an injury lawyer from McQuarrie to increase your chances of being compensated fairly.

Mark Ryan is the author of this article. To know more about Long term disability denied please visit our website:

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McQuarrie Hunter LLP
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