Out of Pocket Expenses - Will ICBC reimburse you ?
It all costs money !
If you've been injured in a car accident I suspect you're dishing out cash from your pocket for a variety of expenses.
Medication ( painkillers, muscle relaxants, anti-inflammatories ), physiotherapy user fees, doctors notes, parking charges etc., etc.
Will ICBC pay you back all the money you've had to layout as a result of your injuries ?
Maybe or maybe not. That depends on a few things.
Let me explain ( please remember this is the simplied version).
There are essential two categories of personal expenses.
The first categories are expenses that should be covered by ICBC regardless of whether or not you're at fault for the accident which caused your injuries ( these are called Part 7 expenses or an Accident Benefit).
The second category of expenses are those which may be reimbursable if the other driver involved in your accident was fully or partially responsible. These expenses are whats called SPECIAL DAMAGES.
The comments which I'm going to provide relate to SPECIAL DAMAGE expenses.
The first thing you need to understand is that any expenses you incur must be reasonable and medically appropriate. The best way to make sure you meet this criteria is to discuss the matter with your doctor and to get a note confirming that the specific expense is required to deal with your injuries.
The second thing to appreciate is that when you spend money because of your injuries you need to make sure you're able to PROVE you incurred this expense. And the best way to do this is to get a receipt. This includes receipts for medication, fees charged by medical treators ( physiotherapists, chiropractors, massage therapists, accupuncturists etc.), parking charges and any other expense which you've had to incur because of your car accident related injuries.
Remember, it's your obligation to prove that what you paid out of pocket meets the criteria I've just talked about. So, be careful. Think twice before you put your hand into your pocket.
And if you have any questions regarding this topic or want to talk about it in more detail, give me call. I'd be glad to chat with you.
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