Lawyers call it a BԪַmeat chart.BԪַ ItBԪַs the schedule of payments for car crash injuries used by what they call BԪַno faultBԪַ vehicle insurance companies BԪַ this much for losing an arm, that much for a leg.
That system is coming to the Insurance Corp. of B.C. in April 2021, after Premier John Horgan and Attorney General David Eby started digging into the soaring costs and rates faced by ICBC and its monopoly customer base. A battle with personal injury lawyers that began with capping BԪַpain and sufferingBԪַ payments and diverting smaller ICBC injury disputes to an independent tribunal is about to heat up.
The role of the BԪַCivil Resolution TribunalBԪַ will expand next year to deal with disputes in all injury cases, saving ICBC an estimated $1.5 billion in legal fees, courtroom experts and related costs.
Attorney General says lawyers take a third of uncertain injury settlements with
BԪַ Tom Fletcher (@tomfletcherbc)
The Trial Lawyers Association of B.C. was quick to challenge the tribunal approach, in a letter to Eby as it took into effect last April.
Calling it BԪַindependentBԪַ is questionable, BԪַgiven that tribunal members are appointed by government for modest fixed term, and who render decisions that directly impact ICBC, a Crown corporation that answers directly to you as Attorney General,BԪַ states.
The trial lawyers went on to attack the governmentBԪַs definition of minor injury, and described an injured personBԪַs ability to estimate lost future earnings as BԪַa supreme feat of clairvoyance heretofore unknown to British Columbians.BԪַ
Announcing the change Thursday, Horgan defended it as a return to the spirit in which former premier Dave Barrett created it in 1973 as a break-even proposition. BԪַIt was not a for-profit enterprise, it was a for-people enterprise,BԪַ he said.
Premier invokes Dave BarrettBԪַs 1973 vision for the creation of
BԪַ Tom Fletcher (@tomfletcherbc)
Horgan said the payment schedule includes a 24-fold increase in the maximum payout for serious, disabling injuries, from about $300,000 to $7.5 million, and in some cases more to cover costs of life-long nursing care.
He rejected the idea that taking disputes out of a slow, expensive trial process means there is BԪַno faultBԪַ assessed to people who cause accidents.
BԪַFault matters still,BԪַ Horgan said. BԪַYou canBԪַt run into someone without consequences. Your rates will go up. If youBԪַre found criminally responsible or negligent, you can be sued. So weBԪַre not taking the opportunity for claimants to sue. WeBԪַre saying in most instances, letBԪַs provide the care first.BԪַ
Eby described the effect of lawsuit-based insurance on the health care system.
BԪַIBԪַve had a number of meetings with doctors where they express increasing concern about the role theyBԪַre asked to play in the litigation system,BԪַ Eby told reporters at the B.C. legislature. BԪַThey have lawyers calling them and asking them to run certain tests on their patients that they donBԪַt feel are medically necessary. TheyBԪַre asked to spend an increasing amount of their time writing reports for the purposes of litigation, which they feel is distracting them from care-giving.BԪַ
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With a $5,500 cap on pain and suffering awards in place since last April, ICBC estimates it will save $1 billion in the current fiscal year on legal costs. But if the current lawsuit system continued, it estimates the capped payments would total more than $900 million by 2022, paid out to people who had temporary discomfort rather than a permanent disability.
tfletcher@blackpress.ca
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