Following an accident that left you injured as the result of somebody else’s negligence, you may be in a position in which you need frequent medical care or assistance now and in the future. The expenses that come with this need should fall under your coverage.
The medical treatments you are entitled to include, but are not limited to:
maintenance services for the home and garden
hired child caregivers
medical treatments, including speech therapy, physiotherapy, medical massages
necessary modifications of your living space
What the law has specified:
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According to the Supreme Court of Canada, you are specifically entitled to the coverage of all your future costs of care, as long as they are “medically justified”, to quote them. What you need to take away from this is that, as long as a healthcare professional has deemed the treatment necessary to stabilize or improve your condition, it is medically justified which means that it should be covered.
The exact monetary amount should be based on what the treatment or medical care item is currently worth, regardless of how much further down the line it will be needed. This is referred to as the “present value”. It should be noted that these treatments cannot just refer to a physical condition, but also mental illnesses and emotional trauma.
It is difficult to prove and present your case professionally without legal representation from an injury lawyer. Thus, before you actually start filing the documents for the claim, call on a lawyer first, as most of the insurance companies try to lowball you into accepting an unfair amount as damages.
What does it take to obtain this coverage?
In order to qualify for such coverage, you will need to prove that your injury was the result of somebody else’s negligent behavior or actions. However, if the at-fault party claims otherwise, then it might be necessary for you to obtain legal counsel in the form of a lawyer who can gather evidence, build a case, and represent you in court. Once the case is won, your entitlement to these benefits will have been proven by your Personal Injury Lawyer in Kamloops and you can thus, obtain all the compensation you are entitled to, including future costs of care as stated above.
What happens if I was at fault?
If you are the person at fault for the accident, you will need to be insured in order to qualify for the ICBC’s Part 7 benefits. Also referred to as no-fault benefits, these benefits ensure that you are entitled to the coverage of certain expenses, present and future, regardless of whether you are responsible for the accident that caused your injuries or not.