MacLean Law Personal Injury Lawyers in Fort St John, Kelowna, Surrey, and Vancouver are available to assist you with all of your ICBC Personal Injury claims throughout the province of British Columbia. Contact us now.
Surrey ICBC Lawyer Explains Underinsured Motorist Protection
Are you worried that the your injuries are so catastrophic that the other driver’s insurance policy won’t be enough to cover your medical costs and other appropriate compensation to you? It may ease your mind to know that almost every ICBC insurance policy includes Underinsured Motorist Protection BC (“UMP”) coverage of $1,000,000. With Spring Break coming up, and possible road trips and family vacations, you may want to consider paying a premium and boosting that coverage to $2,000,000.
What is ICBC Underinsured Motorist Protection (“UMP”)?
UMP is a type of first party insurance offered by ICBC to provide protection to an insured person in the event that the other motorist does not have enough insurance to cover your injuries, lost wages, and other damages. This is particularly important if you are traveling with your family and several of you are injured as a result of the negligence of the other driver. That other driver’s insurance policy may not be sufficient to cover everyone’s losses, injuries, and damages. In that case, you can access UMP. UMP is provided for in Section 148.1 of the Regulations under the Insurance (Vehicle) Act, and payment under UMP is made by ICBC. The nature and amount of this coverage has been changed numerous times over the years by legislative amendments, and special care must be taken to ensure that the correct form of coverage for a particular accident is determined. Furthermore, this coverage is considered coverage of last resort – meaning, that ICBC can force you to take all steps necessary to recover funds from the other driver before accessing UMP.
This means you may have to sue the other driver personally before being able to access ICBC’s UMP coverage. If you have been involved in a car accident, and have sustained significant injuries, it is important to consult with a lawyer regarding the other driver’s policy limits and the type of protection that is available to you. Consulting with a lawyer will ensure that you are not missing any important deadlines. Since most drivers will have at least $200,000 of insurance coverage, notice of intention to make a claim for UMP coverage will only be required when there are serious injuries. However, because determining the full extent of your injuries and the limits of other driver’s insurance can often take a long time, it may be difficult to predict whether your claim will exceed the basic $200,000 policy limits. Accordingly, a lawyer may advise you (in an abundance of caution) to provide ICBC with written notice that a claim may be made under a UMP policy. It is also a good idea to contact ICBC and find out exactly what type of UMP coverage is provided with your plan. The experienced lawyers at MacLean Law are here to answer your questions and help you with all of your ICBC Personal Injury needs. Please contact us now to discuss your concerns.