Part 7 or No-Fault Benefits: What You Need to Know
Part 7 “no-fault” benefits may be claimed through ICBC, regardless of who is at fault for the accident. In other words, even if you were fully at fault for causing the accident, you would, as an injured party, be entitled to Part 7 benefits.
Coverage under Part 7 benefits includes the following:
- The cost of medication, medical treatment and rehabilitation (including transportation costs for appointments), up to maximum of $300,000
- Wage loss benefits (to the extent that they exceed coverage under Employment Insurance), up to a maximum of $740/week for a maximum of 104 weeks and only to claimants who were totally disabled from employment within 20 days of the accident
- Homemaker benefits for the help needed due to homemaker being injured (strict timelines apply)
Personal property damage (e.g., damage to clothing, glasses, footwear, bicycle in cyclist claims) up to $1000; and - Death benefits for the surviving spouse and children.