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This section provides valuable information about how the interactions you will have with your caregivers may actually affect your ICBC claim. You will learn about the doctors that ICBC pays to assess you on a so-called “independent basis”. You will also get a good idea of how to involve your medical caregivers to ensure that you receive a fair settlement from ICBC for your injuries.

When your motor vehicle is involved in an accident and suffers damages, whether you are at fault or not, dealing with ICBC for the repairs is often a difficult process. Information in ICBCadvice articles should help you reach a desirable outcome.

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Attending the Appointment with the ICBC Doctor

When you have to attend at the doctor’s office on the request of ICBC, the assessment may have a significant impact on how ICBC deals with your case.  The last thing you want to do is give the doctor ammunition to suggest you are somehow exaggerating your injury complaints or you are not being truthful.

To start with, you can assume that this doctor will have clinical records of all your doctors/ therapists both before and after your accident so you should tell the doctor everything about your pre-accident health history or any intervening events since the accident.  Do not feel that you can avoid disclosure of these events/ injuries to the doctor because chances are, the ICBC doctor knows about them. If you did not disclose these events to the doctor, he/she will report to ICBC that you have not been particularly honest on that point.

ICBC doctors put emphasis on the fact you did not disclose certain information to them.  This means that you almost have an obligation to disclose information even if you are not asked to do so. Therefore, the best thing to do is to provide full disclosure of all potentially important information so that the doctor cannot turn around and suggest you are hiding the information.

In terms of reporting your condition, there is really no sense in exaggerating your symptoms to try to emphasize your condition to this doctor in hopes of convincing him/her that you are significantly injured.

ICBC chooses very “conservative” doctors to see ICBC claimants and chances are, regardless of your subjective complaints, you will not be able to convince him/her of the serious nature of the injuries unless there are clear objective signs of injury (i.e. broken bone, herniated disc, etc…). The reason being, these conservative doctors tend to focus on objective signs of injury and do not put much weight on what you tell them are your complaints because your complaints are considered subjective in nature.  Therefore, do not bother trying to emphasize your injuries in hopes of convincing the ICBC doctor.  It is not going to work.

Once a defense doctor has asked you about history and your complaints, the doctor then does a physical assessment.  During the physical assessment, the doctor is testing you on whether your complaints are in any way exaggerated. Remember, the doctor is the expert and will easily be able to figure out if you are not giving him/her an accurate assessment.  Also, even if you say certain movements hurt, you are not going to convince the ICBC doctor that you have a serious injury.

You should focus on full disclosure to the ICBC doctor and not try to embellish your complaints in hopes of convincing the doctor of the serious nature of your injuries. 

The reality of the situation is that there is not a lot you can do to convince the ICBC doctor to write a favourable report for you.  You can expect that the ICBC doctor is likely conservative in nature or else ICBC would not be using the doctor.

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