Throughout British Columbia, different cities have different types of insurance policies. In some places drivers have the option of buying 2-part auto insurance. The first part provides the policy holder with ready access to statutory accident benefits. Such benefits get awarded to an accident victim, regardless of the identity of the at-fault driver. A personal injury lawyer in Abbotsford can be of assistance in filing for a claim.

The second part of the 2-part policy covers an at-fault driver when the injured party files a lawsuit. The amount of money paid by the policy holder determines the full extent of the coverage provided by that second part. Any given driver can pay for the bare minimum in the way of coverage, or the same car-owner can decide to pay for a larger number of benefits.

Possible added benefits that a car-owner might want to tack onto a given policy

Coverage for the costs of rehabilitation might be added, in case the victim has suffered a broken leg or perhaps paralysis of some region of the body. Rehabilitation does not take place within a hospital; the experts in rehabilitation carry out their responsibilities in a separate facility.

Supplement to minimum could be added, in order to cover the cost of attendant care. This allows the victim to come home sooner. Patients cannot be released from a rehab facility until fully recovered or until assured of the availability of attendant care.

The car-owner that has purchased the bare minimum coverage, as offered under part 2 has no way of going after money that can replace lost income. The willingness to pay for more than the minimum can provide a victim with freedom from concerns about a source of money, during the recovery period. The money can come from the benefit that has been paid for, the one called income replacement.

Attendant care benefits assure a victim of the services provided by a professional attendant. Those differ from the services provided by a caregiver. Caregivers cook for the victim, do the victim’s laundry and clean the residence occupied by the injured victim. Of course a victim that wants to be ensured of such services must pay for more than a bare minimum, in the form of liability insurance.

An alternative to paying for the services of a caregiver can entail paying one person for attendant care and another person for housekeeping services. Of course the money for housekeeping services will not be granted to a policy holder that has not paid for that particular supplementary benefit. It does not get included among the benefits that are part of the minimum level of coverage.

Neither experts at housekeeping or care giving have the ability to perform all the maintenance tasks that can arise in the home. For that reason, the person buying a car insurance policy might want to think about paying for home maintenance services. Those would be ensured through purchase of a supplement to the bare minimum coverage.