If you have been involved in a car accident in British Columbia, you will likely be dealing with the Insurance Corporation of British Columbia (ICBC), the province’s public auto insurer. While the ICBC adjuster’s job is to help you navigate the claims process, there are certain mistakes that you should avoid to ensure that you receive a fair settlement. Here are the worst mistakes to make with your ICBC adjuster that can cost you your settlement:
- Failing to report the accident to the ICBC
One of the worst mistakes you can make with your ICBC adjuster is failing to report the accident. The ICBC requires that you report an accident as soon as possible, so it is important to notify them right away. If you fail to report the accident, you may lose your right to compensation.
- Not seeking medical attention
If you have been injured in a car accident, it is important to seek medical attention as soon as possible. Not only will this help you get the treatment you need, it will also help document your injuries for insurance purposes. Failing to seek medical attention can raise doubts about the severity of your injuries and may affect the settlement amount.
- Not providing complete and accurate information
It is important to provide complete and accurate information to your ICBC adjuster. This includes information about the accident, your injuries, and any damages or losses you have suffered. If you are unsure about something, it is better to ask for clarification rather than making assumptions or providing incorrect information. Failing to provide complete and accurate information can undermine the strength of your claim and may affect the settlement amount.
- Not cooperating with the ICBC investigation
The ICBC will conduct an investigation into the accident to determine liability and assess the damages. It is important to cooperate with this investigation and provide any requested information or documentation. Failing to cooperate with the ICBC investigation can weaken your claim and may lead to a denied or reduced settlement.
- Accepting the first settlement offer
The ICBC may make a settlement offer after their investigation is complete. It is important to remember that this first offer is typically not the final offer, and you have the right to negotiate for a higher settlement. If you accept the first settlement offer, you may not be able to seek additional compensation later on, even if your injuries or damages are worse than initially thought.
- Not hiring a lawyer
While it is not always necessary to hire a lawyer for a car accident claim, it can be beneficial to have legal representation.