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Expenses and Third Party Claims

Will ICBC reimburse me for all my injury expenses?

No, ICBC will not reimburse you for all your injury expenses unless you have a knowledgeable Tell Del lawyer working for you. ICBC’s main focus is always directed toward the bottom line and “How can we save money?”

For example, under the Accident Benefit coverage, ICBC is required to pay for your physiotherapy treatment expense, your massage therapy expense and your chiropractor expense. Unfortunately, you must pay the “user fee” while ICBC pays only the “treatment fee”. ICBC has negotiated the treatment fee with most of the health care providers to be less than the user fee, which you have to pay. In addition to this, you must wait until you claim is settled before you receive the user
fee paid by ICBC.

If you deal with ICBC without the benefit of a personal injury lawyer who does not have the knowledge or ability to recover all of your expenses you will be short changed. ICBC has trained adjusters that have expertise in presenting proposals to you that look attractive, but would not be equally attractive to a personal injury lawyer. The only way you can be sure you will recover all of the expenses that you have incurred as a result of your claim is to have the complete commitment of an experienced Tell Del lawyer looking after your claim.

Do I have to pay income tax on my settlement?

The short answer is “No”. There are no taxes applied on the settlement amount. However, GST and PST will be charged to you by your lawyer on their fees.

Do I have to apply for Employment Insurance or limited disability through my employer before ICBC will pay benefits?

Yes. ICBC’s Accident Benefits are not payable until you have exhausted all other benefits you are entitled to.


BEFORE YOU TELL ICBC. We can help you right now. Before you talk to ICBC, contact us. Call 604-689-2626 from 9am to 5pm, Monday to Friday or 604-TELL DEL (835-5335) after hours.

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