No-Fault Deductibles

Deductibles - A form of no-fault insurance that immunizes the wrongdoer from having to pay an initial specified amount to the innocent victim. Deductibles allow the insurance company to keep the first portion of damages that would otherwise be awarded to the injured person.

Case Examples: Myer and Kemppainen

Deductibles Are Unfair to Innocent Accident Victims

• Deductibles make no-fault insurance even worse for innocent victims by forcing them to absorb a significant portion of the financial cost of being injured
• A few years ago, ICBC lobbied heavily to have a $25,000 deductible applied to compensation awards for pain and suffering
• If a $25,000 deductible existed, an award of $40,000 would be reduced to $15,000

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