22 - Friday, November 17, 1589 - North Shore News Au T 0 MOT i! Y €E § . Can you afford not tobe covered: ? HAVE YOU been injured in a car accident? If you were not at fault or only partly at fault in the accident, then you are entitled to make a claim against the other driver. in’ most cases the In- surance Corporation of Brit- ish Columbia (ICBC) will be responsible for paying you for any damages or losses you have suffered. These damages fall under several categories: By BRIAN McCRAE. LL.B. | Contributing Writer pected to pay for reasonable replacement or repair of these items. 3. Pain & Suffering: This category is more difficult to calculate. It covers compen- There are many different factors that will affect how much your award will be: the length of recovery, the cost of special equipment or vehicles that you might need because of your injuries are just a few examples. 6. Pre-judgment tnierest: Finally, you are also entitled to be paid interest on certain parts of the insurance money that is owing to you while you were waiting for the final settlement (this is called pre- judgment interest). Since the money is owing to you from the date of the acci- dent, and it may take a year If you want information o how much your claim is worth, contact a lawyer. If you decide to do some research on similar court awards in a law library, be careful. Court awards vary from province to province and there may be specific reasons that a_ particular court award does not apply in your situation. For more information on ICBC personal injury claims, you can order a copy — 1. Costs resulting from the if ; accident: These are damages sation for the pain and suf- y our rH es: ty le, P revious or two for the claim to be of a new book published by for specific costs that you fering you have experienced . . settled, you are entitled to the People’s Law Schoo. have had to pay because of because of the accident. A [JZ Jur les and current court the interest on your money Press called ICBC and Per- the accident. For example, dollar amount will be . . . . while ICBC is holding it for sonal Injury Claims. you might claim doctor’s calculated to pay you for the Se you. This interest is only e boo iscusses car fees, dentist fees, hospital loss of life's comforts and awar ds or similar inj ures. calculated on money that is accident insurance claims, fees, housekeeping services, conveniences. This category owing to you while you wait ‘‘No-Fault'’ benefits, the lost. wages, travelling ex- can also include compensa- for the claim to be settled amount you can claim and penses or medication. You tion for not being able to en- (for example, it would not how to make a claim. As should have receipts for all joy and t2ke advantage of include interest on the cost well, the book discusses how of these costs or some form what lite has to offer have lost. If youcan work at if your new job pays tess of future care). to start a legal action. For of documented proof. because of the injuries you some future date, but your than your previous job. There are many different information contact the 2. Damaged Property: suffer from the accident. injuries prevent you from 5. Future care: These costs factors that will affect how People's Law School #150- This category includes any 4. Lost Employment Op- continuing in your current you will have to pay for in much your award will be: 900 Howe Street, Van- damaged clothing or proper- portunities: If you are un- line of work, then ICBC the future because of your the length of recovery, your couver, B.C. V6Z 2M4 or ty and any car repairs that able to work because of the may pay for the cost of injuries. The cost of future lifestyle, previous injuries call (604) 688-2565 for a free are necessary because of the accident, this category retraining or education. It nursing care, the cost of and current court awards for booklist and a schedule of accident. ICBC is only ex- covers the wages that you will also include lost wages, special housing needs, and similar injuries. free law classes. WE PROTECT — YOUR CAR FROM * THE BOTTOM UP! UNDERCOATING AUTO DETAILING Full new and used vehicle protection packages. Where else would you go but to the professionals. 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