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Talking to the Insurance Adjuster After an Accident

Following a motor vehicle accident, you will be contacted by your insurance company. They will ask questions about the accident and your injuries. It is usually OK to provide them with the information they need. However, beware of a call from an insurance agent representing the at-fault party. This agent, also known as an insurance…

Disability Insurance – Bad Faith

A Disability Insurance policy is a contractual relationship between you and your insurance company. Like all contracts, it is governed by certain laws and regulations. Bad Faith It’s probably safe to assume that your insurance company has a lot more money (and more lawyers) at its disposal than you do. This means the “relationship” mentioned…

Disability Benefits Denied or Terminated

Many people who have had their long-term disability benefits denied or terminated decide to seek advice from a disability lawyer. LTD cases can be particularly complex because their coverage varies from one policy to another and it isn’t always obvious why your benefits were denied or cut. With car accidents there are fairly clear-cut laws…

Deduction of CPP from Disability Benefits

Long-term disability policies vary greatly from one to another and your policy may have certain benefit deductions, including the deduction of your Canada Pension Plan (CPP) benefits. LTD policies may allow the insurance company to deduct your CPP benefits in several different ways, including: Deducting a portion of CPP benefits or the entire amount Deducting…

2012 Nova Scotia Insurance Benefits

On April 1st 2012 the Government of Nova Scotia launched updates to Section B insurance benefits. These increase the compensation available and bring the benefits roughly in line with those in New Brunswick. The changes were recommended by an independent review, and are included with every motor vehicle insurance policy in Nova Scotia. Benefit Current…

Remplacement d’une perte totale de véhicule

Suite à un accident où votre automobile fut déclarée une perte totale, votre compagnie d’assurance indemnifiera votre perte en vous remboursant la valeur marchande de votre véhicule, indépendamment du montant de votre prêt. Cela veut dire que si votre auto a une valeur de revente de 9 000$, c’est ce montant que vous recevrez de…

Rotator Cuff Injury

If you have been involved in an accident and your shoulder and arm are now throbbing, you might have a rotator cuff injury. Any powerful, thrusting movement, such as falling forward onto your outstretched hand, could cause a rotator cuff tear. The rotator cuff, which is a bundle of muscles and tendons, is responsible for…

Whiplash Injury Symptoms

A whiplash injury results when the soft tissues in your neck suffer an injury from a sudden trauma. Whiplash is a common injury in automobile accidents, especially rear-end collisions. A whiplash injury is sometimes described as neck pain or neck strain. Additionally, your intervertebral joints, spinal discs, ligaments or cervical muscles may be affected if…

Fatal Accident Claims in Nova Scotia

If you have lost a family member in a fatal car accident in Nova Scotia, you may be eligible to make two types of insurance claims: 1) accident benefits claim and 2)wrongful death lawsuit. Accident Benefits Claim All automoble insurance policies issued in Nova Scotia include no-fault accident benefits. These benefits are paid immediately following…

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