In Canada, a person who injures you as a result of his or her negligence must put you back in the position you were in before you were injured. In the case of a car accident, the at-fault driver’s insurance company will step in and compensate any injured parties. But who pays if the at-fault driver leaves the scene of the accident or has no insurance?
“If I have outstanding criminal charges can I still to travel to the U.S.?”
“Will I be stopped at the U.S. border if they see I have a criminal record from the past?”
“If my criminal charges have been stayed, am I cleared to travel to the U.S.?”
In this fast-paced day and age, where many traditional business and service models are changing, it is not uncommon for people to be without a family doctor or regular doctor who they see on a consistent basis.
As personal injury lawyers, we cannot emphasize enough the importance of a family doctor, or seeing the same physician on a consistent basis, to a personal injury claim. This blog post outlines the important role that a family doctor has in a personal injury claim.
An Example: Car Accident
Imagine a standard car accident claim. You are injured in an accident caused by another driver. Below, is a simplified image depicting a straightforward rear-ending collision, as an example.
Seems simple enough, right? However, there are many people involved in even the most straight-forward car accident claim. For example:
A car accident can be overwhelming on its own, particularly if someone has been injured or hurt. The various parties involved can add to this sense of confusion. Time after time we hear from people who are overwhelmed and confused by the sheer number of different adjusters and other individuals involved in a claim.
Who is this “PD” adjuster? Why is this person called a “BI” adjuster calling? How are they different from the other person whose title is “AB” adjuster? Who do I talk to about getting more physio treatments approved?
This is only the tip of the iceberg. The whole scenario can be much more confusing when both drivers involved in the collision have policies of insurance with the same insurance company, or if one party does not have insurance, or if there are injured passengers.
That is why we have drafted this blog – to help you sort through the complex web of people shown above. Below, we break down the different parties and adjusters involved in a collision and explain what each one’s role is.
Your insurance company
Let’s start off with your insurance company.
After you’ve been in an accident, you will want to report the collision to your insurance company right away, as there are time limits that can affect your ability to open a car accident claim and access coverage. Learn more about
what you need to remember to do right after a collision
5 Things You Need to Remember Right After You’ve Been in a Collision
Please note: The information provided on this website does not constitute medical or legal advice and should not be construed as such. The lawyers and staff at Moustarah & Company are not trained medical professionals and do not hold themselves out to be such. If you are suffering from an injury, whether chronic pain or otherwise, please contact your doctor or medical care provider.
What is chronic pain?
Pain that lasts and interferes with a person’s quality and enjoyment of life over time can be considered chronic pain.
Experts vary on how long the pain has to last before it is considered chronic. The most common durations used to define whether pain is of a chronic nature are 3 or 6 months (as set out by Turk and Okifuji in “Pain terms and taxonomies”, in Bonica’s Management of Pain (3rd ed.), pages 18–25). Others classify chronic pain differently and apply different time frames to distinguish between acute and chronic pain. Depending on the expert or taxonomy, pain that lasts for more than a certain number of months can be considered chronic.
Chronic pain can come in many different forms. A person may suffer from chronic back pain, chronic jaw pain, chronic neck pain, and so on. Almost any type of pain has the potential to become chronic in nature.
People may develop chronic pain as a result of a number of injuries or conditions. Persons suffering from long-term pain can speak with their doctor about their symptoms.
What is Chronic Pain Syndrome?
Some people who suffer from chronic pain can develop Chronic Pain Syndrome (“CPS”) or other similar pain syndromes or disorders. Often, CPS is characterized as going beyond symptoms of physical pain alone, and may include depression, anxiety, or other psychological symptoms or elements.
Persons suffering from pain or other symptoms can speak with their doctor about their symptoms.
What is fibromyalgia?
It may be helpful to think of fibromyalgia as a specific subset of the general category of chronic pain. According to the Arthritis Society of Canada, fibromyalgia is a
nervous system condition that causes chronic pain throughout the body