Stephens & Holman Blog

Serving Greater Vancouver and Nearby Areas of British Columbia

Fri, August 23, 2013

ICBC investigates all accidents to determine how much each claimant is due. If, during the course of their investigation, they conclude that, “the minimal nature of the impact forces involved in the collision, as well as your physical condition at the time of the accident…did not result in any compensable injury,” they will file the claim as a Low Velocity Impact (LVI) and deny any compensation.

What Qualifies as LVI

ICBC uses four qualifiers to determine if an automobile accident was LVI:

  • Was the speed at the time of impact less than 8 kmph?
  • Have preexisting medical conditions made it...
Mon, August 19, 2013

ICBC “no fault” benefits, commonly called “Part-7 benefits,” may entitle you to collect compensation following an automobile accident even if you were partially to blame. To be eligible for Part-7 benefits, you must meet criteria including:

  • Owning a vehicle insured with ICBC
  • Being a member of the vehicle owner’s household
  • Being an occupant of a vehicle licensed in BC, or an occupant of a vehicle not required to be licensed in BC but driven by a person with a BC driver’s license
  • Being a cyclist or pedestrian who collided with a vehicle described in an owner...
Fri, August 16, 2013

Anyone injured in an automobile accident in British Columbia has a right to file an ICBC claim. This includes:

  • Drivers
  • Passengers
  • Bicyclists
  • Motorcyclists
  • Pedestrians

Claims can even be brought by expectant parents on behalf of unborn children who were fatally injured in an accident.

Know Your Rights

Being eligible to file a claim and getting compensation are two completely different things. Even with ICBC’s no fault coverage, denials are not uncommon. Discussing your case with a Langley ICBC claim...

Mon, August 12, 2013

If you are involved in an automobile accident, you are required to deal with ICBC in good faith. Should you fail in this duty, ICBC can deny your claim on grounds of “breach of insurance.”

To help avoid a breach of insurance denial, it is helpful to have an attorney on your side at all times during the claims process. The Surrey ICBC lawyers at Stephens & Holman are prepared to take your case, guard against denial, and help you get maximum compensation.

What is a Breach of Insurance

Breach of insurance is detailed in section 19 of the Insurance (Vehicle) Act. ICBC may consider your insurance breached under...

Fri, August 09, 2013

If your ICBC claim has been denied, you need an attorney on your side as soon as possible. The process of appealing an ICBC denial can be difficult and may end up in a lengthy court battle. The Vancouver ICBC lawyers at Stephens & Holman can help expedite the process and see that you get the fair compensation you deserve.

Steps to Appealing a Denied Claimp

There are three steps your ICBC lawyer can take when your claim is denied:

  • Talk to the adjustor – we can investigate your accident and provide your adjustor with information he or she may not have been aware of
  • ...
Mon, August 05, 2013

When you accept an ICBC settlement, you are taking the final offer for compensation. Due to this, it is vital that you understand how your injury will impact you in the future. Before you accept an ICBC settlement, you should discuss your case with one of the attorneys at Stephens & Holman. We will work closely with you to help you determine what your claim is really worth.

Stages of an ICBC Settlement

There are four stages to an ICBC settlement:

  • An adjustor reviews your claim
  • You review the settlement offer with the adjustor
  • You accept the adjustor’s offer...
Fri, July 26, 2013

When you are injured in an on the job accident, you will need to wait to return to work until your doctor finds you have reached maximum medical improvement. Until that point, you are eligible to receive workers’ compensation. However, if you suffered a severe injury that results in a permanent disability or an inability to return to your previous work duties, you may be eligible for a larger settlement.

Permanent partial disability is available to workers who have lost or partially lost the use and function of a specific part of the body or the body as a whole. When this is the case, you need an experienced British Columbia...

Mon, July 22, 2013

Whiplash is one of the most common injuries sustained in BC automobile accidents. While on the surface these injuries may seem minor, the long-term consequences of whiplash can be both physically painful and economically damaging.

In many instances, the ICBC will grade whiplash as mild, but this is a highly subjective categorization and does not accurately reflect the true damages caused by these injuries. If you have sustained whiplash in a BC auto accident, you need an experienced lawyer on your side to fight against the ICBC and get you the compensation you truly deserve.

Consequences of Whiplash

The most common...

Fri, July 19, 2013

In some instances, automobile accidents are caused by drivers. When this is the case, establishing liability and helping victims get compensation is relatively straight forward. But what do you do when an accident is actually caused by a defective vehicle? Do you still have right to take legal action and seek compensation for your damages?

The answer to that question is a resounding yes, and the BC auto insurance lawyers at Stephens & Holman are here to take your case and help you get the maximum compensation you deserve.

Defective Products

Automobile manufacturers are required to develop and produce products that...

Mon, July 15, 2013

Even at low speeds, pedestrian accidents are often catastrophic. Children are particularly vulnerable to severe or fatal injuries in these accidents, but no one is immune from damages when struck by an automobile while walking.

Common injuries in pedestrian accidents include:
  • Head and brain injuries
  • Spinal cord injuries
  • Lacerations and road burns
  • Disfigurement
  • Fractured or pulverized bones

Many of these injuries will require both immediate medical treatment and long-term rehabilitation. Some of them will prove...

Fri, July 12, 2013

While some automobile accidents result in little more than scratched bumpers and bruised knees, many car accidents cause serious or even fatal injuries. Some common car accident injuries include:

  • Head and brain injuries
  • Neck and back injuries
  • Spinal cord injuries
  • Chest injuries
  • Fractured bones
  • Deep lacerations and disfigurement
  • Amputations

If you or a loved one has suffered a serious or fatal injury in a car accident, you may be eligible to collect significant...

Mon, July 08, 2013

Brain injuries are among the most catastrophic you can sustain. Victims of brain injury often face immediate medical intervention such as surgeries and induced comas, and may require long-term life support or intensive care in the days and weeks following their accident.

After initial treatment, recovering from a brain injury may require numerous therapies, round-the-clock monitoring, inpatient care services, and adaptive technologies. In many instances, it will be impossible to every fully recover from a brain injury, resulting in both economic and personal damages.

If you or a loved one has sustained a brain injury, you...

Fri, July 05, 2013

Any time you are injured in an automobile accident, you have a right to file a BC car accident claim for compensation with ICBC. If your automobile accident was caused by a driver who was drunk or on drugs, you may be entitled to substantially more compensation than in instances where intoxication was not an issue.

Automobile accidents involving drugs or alcohol are a clear case of negligence. The BC car accident claim lawyers at Stephens & Holman have years of experience helping victims of these accidents provide liability and get maximum compensation.

Your Rights

You have a right to drive on the road without...

Sun, June 30, 2013

Brain injury can happen to anyone. If you are involved in a serious accident, TBI is almost always a risk. However, there are a few factors that can make you more susceptible to brain injury. If any of the following criteria apply to you, you are at a higher risk of sustaining a TBI in any situation:

  • Between 15–24 years old
  • 75+ years old
  • Children ages 5 and younger

Because children’s brains are still developing, they are much more vulnerable to serious TBI than most adults...

Tue, June 25, 2013

According to studies, nearly two-thirds of all motorcycle accidents involving another vehicle are caused by the driver violating the motorcycle’s right-of-way. When you consider that motorcyclists are 27 times more likely to die in an accident than anyone in a passenger car, this statistic becomes even more unsettling. Motorcycle accidents are almost always devastating, often leading to life-altering injuries or wrongful death.

Apart from right-of-way violation, some other common causes of motorcycle accidents include:

  • Sudden-stop collisions...
Thu, November 29, 2012

 In cases related to traumatic brain injuries (TBI) that were sustained due to the negligence of another—such as brain injuries suffered in traffic accidents—the individual seeking compensation must prove the damages caused by the injury.

The British Columbia brain injury lawyers at Stephens & Holman have extensive experience helping TBI victims and their families recover the financial compensation they need and peace of mind they deserve. Our lawyers understand how a brain injury can impact every area of your life, and we know how to establish the damages that stem from TBIs.

TBIs can cost their victims mobility,...

Mon, October 15, 2012

 TBI is an abbreviation for traumatic brain injury, a severe head injury that can cause life-altering physical and mental impairments.

TBIs are caused by a jarring impact that results in the brain slamming into the interior of the skull. TBIs are often sustained in accidents including:

•    Automobile accidents
•    Motorcycle accidents
•    Truck accidents
•    Bicycle accidents
•    Pedestrian accidents
•    Slip-and-fall accidents

Traumatic brain injuries may be accompanied by a number of wide-ranging symptoms. Some of these symptoms may not be apparent immediately following...

Wed, September 26, 2012

 Consumers have a right to expect that products from automobiles to prescription medication to strollers be safe when used for their intended purpose and as instructed. However, thousands of defective products cause injuries to consumers each year.

If you were harmed by a defective product, the Vancouver lawyers at Stephens & Holman may be able to hold the responsible party accountable for resulting damages through a product liability lawsuit. During your free, no-obligation consultation, we will assess your individual circumstances and determine if you may have a valid product liability claim.

If the product in question...