Quote:
Originally Posted by RougeUnderoos
I am not a lawyer, but my legal advice is that you don't trust our advice on this here internet forum.
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So true, but at least most of the posters at CP are well intentioned.
Sounds like you aren't liable. But don't waste time or money phoning a lawyer, and don't fret over procedure, just phone your insurance company, they'll take care of it for you.
Given your facts, your premiums won't increase from this.
Edit: Didn't read everything before my first post, now I got that you're from BC, so you have government insurance. Still, tell them. Your premiums will not increase.
As for your filing question.... depends if you're in BC Supreme Court or their equivalent of small claims. If its a small claim, their form should have contact info for the court clerks and they'll tell what you need to know about filing procedure. If its in BCSC, just give a call to the lawyer who's name is on the backer (with phone number listed) and let him/her know you need time to get it taken care of, while ICBC takes care of the rest.
If for some reason you weren't insured... well then you have a real problem on your hands, even if you didn't do anything wrong.
Most importantly, phone your insurer promptly and put the ball in their court.