WHAT IS THE “CAP”?
In 2004, the Alberta government passed the Minor Injury Regulation, which capped damages for pain and suffering for certain so-called “minor injuries” caused by a motor vehicle collision.
YOU COULD BE HUNG OUT TO DRY AFTER A COLLISION IF YOU DON’T HAVE THE RIGHT INSURANCE
If you don’t have the right type of auto insurance coverage, you could be left with a huge bill after a collision. Even if the collision was not your fault, you could be left at the mercy of the other driver’s insurance company.
When does WCB get involved if you are in car accident?
If you are injured in a motor vehicle accident during your workday, you may be compensated through the Workers’ Compensation Board (“WCB”) or through a personal injury claim. It can be difficult to determine how to proceed and which process applies. This blog post will outline the different claims processes and how to determine which process applies to your situation.
HIT-AND-RUNS OR HIT BY UNINSURED DRIVERS: Can I still make a claim for my injuries?
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?
Who Are the Different People Involved in a Car Accident 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
What You Need to Know When You’ve Been in a Collision
If you’ve been involved in motor vehicle collision, you probably have a lot on your mind. Your vehicle may be damaged. You or your passengers may be injured. You may be unable to work due to your injuries. You may have expenses piling up. Most of all, you may have a lot of questions. What are your legal rights? What are your options?
At Moustarah & Company, we understand the effects that a motor vehicle collision and injuries caused by a motor vehicle collision can have on your life. That is why we are committed to providing outstanding service that is tailored to your needs, to help you during this difficult time.
As part of our commitment to providing excellent service, we have created the brochure pictured below to provide you with some information on navigating a personal injury claim, and what you should know and expect when you have been injured in a motor vehicle collision.
If you have been involved in a motor vehicle collision, contact us for a free initial consultation.