Regardless of how injured you are from motor vehicle accident, be it a brain injury, spinal cord injury, fracture, etc., the amount you can recover as compensation from the person who injured you is limited by the amount of third party liability insurance they carry, and their own personal assets.
Most people in British Columbia who suffer a personal injury in a motor vehicle accident are entitled to up to one million dollars from ICBC by virtue of what is called underinsured motorist protection. Therefore, even if the person who injured you has no insurance and no assets, you are normally entitled to up to one million dollars in compensation.
Most people in British Columbia have the option of doubling this to two million dollars. This can be done by purchasing what is called Excess Underinsured Motorist Protection. This currently costs $25.00 per year and can be purchased at any ICBC insurance agent.
We at Simpson Thomas & Associates handle many catastrophic injury cases, and have seen many examples where an individual only has access to one million dollars of insurance from ICBC, which in serious cases (like paraplegia, quadriplegia, or brain injury) may not be enough. For a small investment of $25.00 per year, you can ensure that you have access to two million dollars of insurance from ICBC in the event you are significantly injured by a motorist.