ICBC Vs. WCB in BC, Canada

ICBC Vs wcb BC Canada

When driving taxis, there is always a chance that you could get injured during work. Roads are not free from dangers, isn’t it?

Any field you choose has some form of risk, and the same goes for driving a commercial taxi. You may be the best and safest driver in Canada, but there are others who make mistakes on the road.

If you have been injured while you are on the job, you can always apply for benefits under ICBC or WCB in BC.

You might want to know more about the benefits of these two because often workers get confused about what the difference is. It depends on the circumstances you are in. Here is an article that sheds light on the difference between ICBC vs. WCB in BC, Canada. Keep reading to find out!

#1 WorkSafeBC Benefits

British Columbia’s workers compensation system provides benefits to all workers who have been injured during the course of their employment. To put it in simpler words, if you have experienced any loss of income or had to incur any expenses towards treatment then you get to reap the benefits from WorkSafeBC.

Please note that fault is not supposed to be a factor here. It could be your fault or the employer’s fault, or even a co-worker’s fault. You will qualify nonetheless and get the benefits from WorkSafeBC.

The benefits are called, no-fault benefits at times. In case the injury happened because of an employer or co-worker’s negligence then you cannot file a case or lawsuit because in British Columbia, employer and worker injury lawsuits are banned.

Get a reliable attorney onboard and they will help you with the same.

Here’s how WorkSafeBC works:

  • Compensation benefits can be acquired if you are the injured employee or worker or a dependent of the injured worker.
  • The injury should have occurred during the hours you are working and must be an outcome from the duties assigned to you during the job.
  • Let’s say a taxi driver gets injured while dropping a customer, he will be covered by the WorkSafeBC.
  • Most employees in British Columbia are covered – contractual too or even as a labourer.

How Do You Claim WorkSafe BC?

There are two ways to go about it. First, you have to complete form 6 which is an application for compensation. Second, you can file the claim via telephone. Speak to the Officer assigned at the WorkSafeBC.

When you report the claim, your injuries are then assessed and they check whether it is work-related. Once your claim is accepted, you will receive the benefits as per the Workers Compensation Act. There are different kinds of benefits you get such as healthcare benefits, supplies, medical supplies, and so on. Wage loss benefits will also be provided if you are unable to work during the injury time.

#2 ICBC Benefits

In case you have been injured in a taxi or any car accident where you were not present in the course of work, you will be eligible to make a claim under ICBC.

You get no-fault or recovery benefits. Compensation for any loss or damage by the fault of another will also be provided. In case you are a passenger or an injured driver of a taxi which is insured and licensed under BC (such as Cheem Taxis), you still get to claim the no-fault benefits. You could be fully or partly responsible, but still will be paid the compensation or damage.

Here’s how ICBC works:

  • In case the accident was not your mistake, you can claim compensation for the damage. It covers multiple things like lost wages, pain, suffering, trauma, medical care, losses, and rehabilitation.
  • Just in case you were partly responsible for the mishap, the value of the damage is then reduced as per the percentage you were at fault.

A reliable car accident lawyer will be able to help you file the claim and get the rightful compensation for the damages and loss.

How Do You Claim ICBC?

There are quite a few steps covered while claiming ICBC. Firstly, you must report the accident to nearby police and the ICBC as soon as you can. Ideally, it should be within 30 days. This helps in preserving the right to file for accident benefits.

ICBC will pay out the compensation accordingly.

The Difference Between ICBC and WCB

The biggest difference between WCB and ICBC is that ICBC claim also consists of damages for mental suffering and pain. WCB claim doesn’t have this benefit and it only pays your medical expenses and income loss that are caused by any accident that happened at the workplace.

ICBC claims are comprehensive and WCB does not. When you file for an ICBC claim, you get compensation for all kinds of losses that you incurred during the accident. WCB is very limited and the end result could be quite unfair too in case you are new to your job.

Which One Is a Better Option For Your Situation?

WCB claim is a better option in case you are substantially or fully at fault for the accident. The claim does not get reduced depending on the degree of the fault. ICBC claim will reduce in case you were partially or fully at fault.

Also, ICBC can refuse the no-fault benefits in case you have the opportunity to select a WCB claim but you opt for ICBC instead.

Nonetheless, you will still get compensated for the income loss and the medical expenses.

Concluding Thoughts

Now that you know the difference between the two, it will be easier to file a claim.

WCB or ICBC? It depends on the situation you are in. Were you at fault? Were you partially at fault? There are several things to consider when choosing one of the two. It’s a personal decision and should be assessed as per the case. Connect with a lawyer and find out which one is better for your situation. ICBC claim covers pain and suffering as well, so you might see it as much more fruitful. Once again, it will depend on who was at fault and how expensive the damages and loss have been.

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