The Top Nine Negotiation Tactics
used by ICBC Adjusters
Have your injuries been healing at the right speed? Your adjuster might have determined that your recovery is too slow. This implies that you have not invested enough effort into your recovery, or that you may be faking your symptoms.
The truth is that all injuries recover at different rates and you are not required to heal at any particular speed. For more information check out these articles:
You may have been told that you do not have a claim because it was a hit and run, you were not hit with enough speed, or because you were not wearing a seatbelt. ICBC uses their company policies to deter car crash victims from believing they have a claim. However, the truth is that you still have rights in all of these scenarios. For more information refer to:
Are you in agreement with ICBC’s allocation of fault? ICBC does not have the final say on who was at fault in a car crash. In some cases, in order for a fair judgment, fault needs to be determined in court by a judge. Read about some examples here:
#4 – Financial Manipulation
Car crashes can have devastating financial consequences on people suffering through injuries. You may be experiencing a loss of income while you are expected to pay for your recovery expenses. Weekly chiropractor, massage therapy and physiotherapy sessions add up quickly.
As your expenses increase and your income decreases, ICBC gains bargaining power over you. They might currently be paying for your expenses – are you able to pay for treatment if that coverage ends? Most people cannot, which is why ICBC uses this leverage to encourage early settlements and deter hiring a lawyer. Here’s how ICBC utilizes your financial hardship:
#5 – ICBC Financed Medical Specialists
Have you suspected that a medical specialist is not exactly on your team? ICBC generously finances medical specialists to provide their expert opinions on car crash claims. The incongruence of incentives has not gone unnoticed in British Columbia courts:
#6 – Bullying Tactics
Is your adjuster starting to get frustrated with your resistance to settle? As car crash claims drag on, an adjuster’s tone might shift from one of helpfulness to impatience. This is when it is becomes especially important for you to have independent information informing you of your rights:
#7 – Surveillance Tactics
If you have an ICBC claim, you might be under video surveillance. Ironically, in our experience, the footage obtained from ICBC investigators has supported our cases in proving the limitations of our clients’ injuries.
#8 – Lowball Offers
How are your negotiating skills? Even the best negotiators are at a disadvantage if they do not know the value of what they are negotiating for. ICBC uses this asymmetric information to their advantage by making lowball offers. Here’s why you shouldn’t even accept ICBC’s fourth offer…
ICBC often leads you to believe that hiring a lawyer with threaten your adjuster relationship. Do you know that you can retain legal advice without actually telling your adjuster? Here are some articles encouraging you to level the playing field at the bargaining table:
Are you worried that seeking legal advice makes it seem like you are out for more than your fair share? Here’s why car crash settlements are never truly compensate the losses caused by an injury: