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Achieving-Justice

Are you vulnerable?

How can it be that some collision victims recover completely while others are left with life-long pain?

For one, each of us is built differently.

For example, those with long, slender necks are more vulnerable than those with short, beefy ones.

Remember Graham, the “ideal crash-proof human” conjured up by a trauma surgeon, a crash expert and an artist? 

Follow this link to see what Graham looks like: Here’s what humans might look like if we had evolved to survive car crashes

And the forces exerted on you in a crash depends on a dizzying list of factors, including the speeds and directions of the vehicles, safety features (which can actually increase damage to occupants) and what seat you are occupying.

And damage to your tissues can be different depending on whether you’re braced for, and your particular head and body positioning at the time of, impact.

But what if you strip away all of those variables. Pretend the exact same forces are exerted on two people with the exact same physical build, in exactly the same way.

Will their injuries and outcomes be exactly the same?

Consider if one is a perfectly healthy, 19 year-old gymnast. The other is me, a de-conditioned 48-year-old desk jockey with an elevated BMI.

Neither of us had any pain, stiffness or other symptoms before the crash.

The 19 year-old gets sore after the crash. But with a handful of therapy sessions and a month or two of healing time, he’s completely recovered. He feels he’s won the lottery with a $2,500 settlement from ICBC.

I’m left with chronic, unrelenting neck pain and regular headaches.

How could that be?

An X-ray reveals arthritic changes in my neck. Of course, it does. I’m 48 years-old!

Those arthritic changes, and my de--conditioning, make the difference.

There is more straining and micro-tearing of tissues to an inflexible body, unable to touch my toes, than to someone who can scratch their ear with their big toe.

A complete recovery might still have been possible, though, if not for the arthritic changes.

What would a doctor say if asked what caused my chronic symptoms?

There are three possible answers.

  • One obvious one is the pre-existing arthritic changes, without which I would have enjoyed a complete recovery.
  • Another might be the crash. Had it not been for the crash, I would have continued to live pain-and-headache free.
  • And finally there might be an attempt to attribute the cause to each contributing factor, perhaps 40 per cent to the crash, 40 per cent to the arthritic changes and 20 per cent to my de-conditioning.

How would each of those answers impact on my ICBC claim?

This is one of the least understood aspects of personal injury law, even though the law could not be clearer.

A pre-existing vulnerability is not a “get out of jail free card” for ICBC.

A negligent driver, through their liability insurer ICBC, is responsible to compensate their victim for all injuries and losses that would not have occurred had the collision not occurred.

It is no answer that the injuries and losses would have been less had the victim not been so vulnerable.

The law was set out, recently, at paragraph 61 of Allen v. Parkeh, 2018 BCSC 126

“The test for causation in Canada is the “but-for” test…To assess whether the Defendant caused an injury, the trial judge asks if, without the Defendant’s tortious act, the injury would have resulted. If the answer is “yes”, the Defendant is not liable for the injury or the losses flowing from it…If the answer is “no”, the Defendant is liable to the Plaintiff for the whole of the losses flowing from the injury…”

And further, “The losses “flowing” from an injury are those losses which the Plaintiff proves, on a balance of probabilities, would not have occurred “but-for” the Defendant’s act…”

So don’t let an ICBC tell you, or anyone you care about, that your injuries “should have resolved by now” had it not been for your pre -existing vulnerabilities, and that they are not responsible for the ongoing aftermath of their insured’s negligence.



More Achieving Justice articles

About the Author

Paul Hergott began practicing law in 1995, in a general litigation practice. Of the various areas of litigation, he became most drawn to, and passionate about, pursuing fair compensation for injured victims. This gradually became his exclusive area of practice.

In 2007, Paul opened Hergott Law, a boutique personal injury law firm in the Central Interior, serving personal injury clients from all over British Columbia. Paul’s practice is restricted to acting only for the injured victim, never for ICBC or for other insurance companies.

Paul became a weekly newspaper columnist in January of 2007, when his first column entitled “It’s not about screwing the Insurance Company” was published. 

Please feel free to email or call Paul (1.855.437.4688) with legal issues you might like him to write about in his column, or to offer your feedback about something he has written.

Email:   [email protected]
Firm website:  www.hlaw.ca
Achieving Justice Legal Blog:  http://www.hlaw.ca/category/all-columns/
One Crash is Too Many Road Safety Campaign: www.onecrashistoomany.com
Google Plus:  https://plus.google.com/+HlawCanada/posts
Facebook:  www.facebook.com/personalinjurylawfirm
Twitter:   twitter.com/Hergott_Law



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The views expressed are strictly those of the author and not necessarily those of Castanet. Castanet does not warrant the contents.

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