ICBC often tells people that there is not enough damage to their vehicle, so ICBC is not going to consider compensation for the person (ICBC calls this a LVI or low velocity impact claim). This position can be a real hardship for some people who have actually been injured in an accident.
I recently did a trial for such a case, Eom v. Chand, reasons unpublished.
On July 6, 2011 Justice Leask provided oral reasons for the trial. Until days before the trial, ICBC refused to make any offer to Ms. Eom. When the judgment came in, it was for 12 times what ICBC finally did offer. At trial, ICBC said that Ms. Eom recovered within two months of the accident. The problem with that theory is that the evidence of physiotherapist, Angelica Reeve (who Justice Leask called the most impressive physiotherapist he has had testify before him). She was highly trained with a Master's degree from one of the top universities in the world and Angelica testified that she could feel that the joints in Ms. Eom's neck were not moving properly when she treated Ms. Eom. ICBC's theory also did not take into account the fact that Ms. Eom's doctor told the judge that she thought Ms. Eom was only 50-60% recovered at the time of the trial.
ICBC attacked the credibility of my client, her doctor, the physiotherapist. None of the attacks had any merit, but these are the tactics that people often face when in trial. ICBC never came up with any theory that factored in the fact that Ms. Eom, her doctor, and her physiotherapist, may actually have been telling the truth.
In the end, ICBC told the judge that her claim was worth as little as $2000 dollars. Ms. Eom had more in "out of pocket expenses" than that. Justice Leask awarded Ms. Eom $132,042.20 for this so called "LVI denial".
I don't think that the people at ICBC are bad, in fact I have quite a lot of respect for many of the people I deal with at ICBC. Sometimes, however, the bureaucracy of the ICBC machine can squash you unless you have the will and tools (including a good lawyer) to fight for your rights.
Congratulations to Ms. Eom who had that courage to withstand these attacks and candidly tell the judge her story.
By the way, if you are looking for a good physiotherapist in North Vancouver, I can recommend Angelica Reeve at 19th Street Physiotherapy 604-988-5221.
