The rights of those injured in collisions are about to change.

Negligent drivers causing the collisions will be rewarded.

Rewards include increased employment disability benefits and complete (instead of the current partial) coverage for most care expenses.

Innocent victims will also receive increased benefits. But since 100 per cent of income losses and expenses must be paid at the time of settlement, those benefits are just a higher down payment on what ICBC will have to pay anyway.

Innocent victims will actually be penalized, because their right to compensation for 香蕉视频直播渘on-pecuniary losses香蕉视频直播� will be capped.

Non-pecuniary losses are the non-financial ways you are impacted by an injury.

Your injuries might cause you to miss work for a time and cost money to treat. Those are financial losses.

Non-financial losses include the unpleasant experience of discomfort and pain. And the impact those symptoms have on your day to day activities.

They include psychological symptoms as well, such as a lowered mood and irritability that can go hand in hand with physical symptoms.

Thankfully, most injured victims enjoy a complete recovery. They might endure a wretched few weeks or months, but the discomfort and pain resolves and they return to the life they enjoyed before the collision. I call that a temporary injury, because it ends. It is not permanent.

In the great scheme of car crash injuries, the temporary ones might be referred to as 香蕉视频直播渕inor香蕉视频直播�. Though I caution you against suggesting to anyone enduring months of pain, stiffness and headaches that they sustained a minor injury!

For collision injuries occurring on or after April 1, 2019, non-financial loss compensation for those temporary injuries will be capped at $5,500.00 (the 香蕉视频直播淐ap香蕉视频直播�). The Cap is established by a government regulation called the 香蕉视频直播淢inor Injury Regulation香蕉视频直播�.

But when you look at how the government has defined a 香蕉视频直播渕inor injury香蕉视频直播� in the legislation, you will see that they are applying the Cap to injuries going far beyond what any reasonable person would label as 香蕉视频直播渕inor香蕉视频直播�.

If you sustain an injury referred to as a 香蕉视频直播渟prain香蕉视频直播�, i.e. an injury to ligaments, the injury is a 香蕉视频直播渕inor injury香蕉视频直播� unless all the fibres of an injured ligament are torn. If a 香蕉视频直播渟train香蕉视频直播�, i.e. an injury to muscles, the injury is a 香蕉视频直播渕inor injury香蕉视频直播� unless all the fibres of an injured muscle are torn.

All whiplash associated disorders are 香蕉视频直播渕inor injuries香蕉视频直播� unless they include a spinal fracture or 香蕉视频直播渄ecreased or absent deep tendon reflexes, deep tendon weakness or sensory deficits, or other demonstrable and clinically relevant neurological symptoms香蕉视频直播�.

Pain syndromes, psychological and psychiatric conditions and jaw joint injuries are 香蕉视频直播渕inor injuries香蕉视频直播� as well.

All of those injuries are 香蕉视频直播渕inor injuries香蕉视频直播� unless they result in a 香蕉视频直播渟erious impairment香蕉视频直播� or a 香蕉视频直播減ermanent serious disfigurement香蕉视频直播�.

To qualify as a 香蕉视频直播渟erious impairment香蕉视频直播�, it must indeed be serious, resulting in the 香蕉视频直播渟ubstantial inability香蕉视频直播� to perform the essential tasks of your employment / occupation / profession, or a training/education program you are enrolled in or accepted for enrollment. And must last longer than 12 months without an expectation of ever substantially improving.

I will give you an example.

You suffer whiplash injuries, a shoulder injury that tears some but not all fibres of ligaments and muscles as well as whiplash related headaches. You are initially unable to work, but with months of therapies and a graduated return to work program your symptoms settle down and you build up your strength to the extent you are able to return.

But you continue to suffer from headaches, neck pain and shoulder restrictions that will never completely resolve. Those ongoing symptoms restrict you from ever returning to your previously active lifestyle. And leads to depression.

That香蕉视频直播檚 a 香蕉视频直播渕inor injury香蕉视频直播� for crashes occurring on or after April 1, 2019.

Interested in looking at the legislation yourself? Look at the , section of the Insurance (Vehicle) Act. .

Missed last week香蕉视频直播檚 column?

Uncertainty of personal injury claims

Like us on and follow us on .