Generally, in the event of an injury, Part VII coverage provides:
payment of medical expenses
payment of rehabilitation expenses
payment of wage benefits
In the event of a death, Part VII coverage provides:
payment of funeral expenses
payment of loss of support benefits
However, like any insurance policy, the benefits actually paid are often limited and there is an abundance of “exclusions” which ICBC uses to restrict the amount they pay out. In many instances, ICBC sets internal policies/ rules, which help them restrict what will be paid under Part VII.
If you do not like the decision made by the adjuster at ICBC, you can go through the ICBC review procedure or sue ICBC under contract. Alternatively, if you have a personal injury claim, you can look for payment of the expenses in that claim when a settlement is reached or you go to trial.
