Treatment Options Following a Motor Vehicle Accident


  • Options to pay for your treatment are generally limited based on your degree of fault for the relevant accident.
  • If the accident is not your fault, you are entitled to full compensation for all losses suffered, both now and into the future because of the accident, including your treatment expenses.
  • If the accident is partly your fault, you are entitled to compensation for all your past and future losses based on the percentage to which you are not at fault for the accident.
  • If the accident is entirely your fault, you are still entitled to reimbursement of some treatment costs from ICBC.

Funding Options when Not Responsible for the Accident

1. Seek funding from ICBC


• ICBC is legally required to pay certain reasonable medical and rehabilitation benefits and wage replacement benefits immediately.

• Providing ICBC with a letter from a medical doctor or a chiropractor is the best way to obtain immediate funding from ICBC.

• You should always consult with a lawyer:

           o Before signing any authorizations for ICBC to obtain your medical
              and employment records;

           o Before submitting to a medical examination at ICBC’s request; and

           o If ICBC cuts off funding for treatment.

2. Negotiate a Direction to Pay with your Chosen Health Professional


• Some (but not all) health professionals will provide treatment under a “Direction to Pay”, where your health professional agrees to defer payment for your treatment on the condition that your lawyer pays their account in full out of your settlement as soon as your claim settles.

3. Submit Receipts to your Extended Health Plan (and keep copies)


• In certain circumstances, you may be able to add the full value of all receipts submitted to your extended health plan to your ICBC claim, even if they have already been fully reimbursed.

4. Obtain Line of Credit or Loan for Accident-related Expenses


• If you use a credit line or loan solely for your reasonable accident-related expenses, you may be able to claim for both the principal used to pay for accident-related expenses and the interest paid on the credit line.

5. Pay Out-of-Pocket for Treatment


• If you keep all your original receipts, you will very likely get all of these costs reimbursed when you settle your claim.

• You may also be able to negotiate with ICBC to receive interim funding or advances, or to reimburse your out-of-pocket expenses even before you are ready to settle your claim.

Funding Options when Fully Responsible for the Accident

• Carefully examine Part 7 of the Insurance (Vehicle) Regulations and get letters from your treatment providers to prove that you are entitled to the benefits which Part 7 mandate.

• If you anticipate requiring significant funding for treatment, consider consulting with a lawyer. Otherwise, cooperate with ICBC and try to get as much funding as possible from your ICBC adjuster.

• If (or when) ICBC refuses to fund any further treatment, you will likely be left to submit receipts through your extended health benefits provider or pay for treatment out-of-pocket.

Funding Options when Partly Responsible for the Accident

• Speak with a lawyer to determine whether the value of your total claim might be enough to eventually reimburse you in full for all of your necessary accident-related treatment expenses.