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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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Clinical Records - A Key Document in an ICBC Claim

The vast majority of medical practitioners, whether doctors, physiotherapist, massage therapists or chiropractors, will be keeping notes of each visit you make to them whether it is before or after the accident.  The notes are called clinical records.

The various doctors and therapists in British Columbia vary dramatically in their ability to record complete and accurate clinical notes. Therefore, you are really at the mercy of the doctor or therapist in terms of whether they are accurately and completely recording what you are telling them.
The unfortunate part is that ICBC spends a tremendous amount of effort obtaining all the clinical records of any doctor or therapist you may have seen both before and after the accident. ICBC goes through the clinical records in great detail and will try to find inconsistencies, lack of reporting, and information that will minimize your claim, etc.

Although you do not have control over whether your doctor or therapist is a good note-taker, you should at least give them the opportunity to record complaints by being as accurate and complete as possible in your self-report to the doctor/therapist.  Your only hope is that much of what you are telling the doctor/therapist is making its way accurately into the clinical records.

You should go on the assumption that if you tell your doctor or therapist about something, it will show up in the clinical records and ICBC will eventually see it.   This is because the doctor or therapist has a duty to ensure that everything significant is recorded in the clinical records.

If ever questioned by ICBC or the defense lawyer on certain notations in the clinical records, you do not have to agree that you told the doctor or therapist the particular entry if you did not. We all know that everyone is human and errors will be made regularly especially when the doctor or therapist is running a very busy practice.

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