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In car accident injury claims across Nova Scotia, New Brunswick, and Prince Edward Island, theconcept of a “minor injury cap” plays a significant role in determining compensation for pain andsuffering. This cap limits the maximum amount a person can receive in damages if their injuries areconsidered “minor.” However, the definition of what constitutes a “minor…
If you were injured as a result of a defendant’s negligence, then you are entitled to monetary compensation (or, in legal terms “damages” or “compensatory damages”) for the harm that you have suffered. This may include compensation for the following type of damages: 1. General Damages General damages are financial compensations for either reduced enjoyment…
If you’ve been involved in a motor vehicle accident where another driver is at fault, you may beentitled to compensation for your damages. Navigating the insurance claim process can becomplex, especially if you’re dealing with the aftermath of an accident. Here’s a step-by-step guideto help you understand how to make an insurance claim against an…
Understanding insurance coverage can often be a daunting task, especially when it comes tospecific policies like SEF 44, or the Standard Endorsement Form 44. This optional coverage is vitalfor drivers in Canada as it enhances the protection provided by your auto insurance policy. In 2020,insurance companies reported over 60,000 claims related to accidents involving uninsuredmotorists….
Navigating Policy Interactions: How SEF 44 Complements Your Coverage Understanding insurance coverage can often be a daunting task, especially when it comes to specific policies like SEF 44, or the Standard Endorsement Form 44. This optional coverage is vital for drivers in Canada as it enhances the protection provided by your auto insurance policy. In…
In personal injury cases, the concept of causation plays a crucial role in determining who is legally responsible for an accident and the damages that result. When an individual files a personal injury claim against another party, one of the primary legal hurdles is proving that they themselves were not at fault. This is where…
When you make a claim on your insurance, you might wonder if the insurance company can force you to see their own medical examiner. Here’s a simple explanation of your rights and what to expect. What Does the Insurance Company Have the Right to Do? Insurance companies have a right to check on the claims…
When you make a claim on your insurance, you might wonder if the insurance company can force you to see their own medical examiner. Here’s a simple explanation of your rights and what to expect. What Does the Insurance Company Have the Right to Do? Insurance companies have a right to check on the claims…
What is a Minor Injury Cap? In personal injury law, a “minor injury cap” typically refers to a legal limit on the amount of damages that can be awarded for injuries deemed minor. This cap is intended to limit the compensation for less severe injuries, focusing resources and legal attention on more serious cases. What…
This blog does a deep dive into the details of SEF 44, its importance, and how it functions within the context of Canadian insurance requirements.
What to do If you are injured in a motor vehicle accident and the other driver doesn’t have insurance in NB, NS and PEI
In New Brunswick, the Financial and Consumer Services Commission has approved a Standard Automobile Insurance Policy. This means that every insured vehicle in New Brunswick has, at the very least, the same minimum coverage. There are 5 major sections in the Standard Automobile Insurance Policy. Learn more in this article.
There is a general right on insurers to obtain professional advices. Clause (5) of the Special Provisions states: (5) MEDICAL REPORTS The insurer has the right and the claimant shall afford to the insurer, an opportunity to examine the person of the insured person when and as often as it reasonably requires while the claim is…
In principle, vacation benefits are different than sick leave benefits. While sick days are akin to an insurance plan (i.e. there when needed), vacation benefits are part of the employee’s basic remuneration package and are expected to be used yearly to maintain productivity, not to treat illnesses. Thus, they are more akin to a pension…
Contrary to the 2003 Injury Regulation, supra, the new regulation provides a list of specific ‘minor personal injuries’. They are: abrasions, contusions, lacerations, sprains, strains and whiplash associated disorders, “including any clinically associated sequelae” for each, “that do not result in serious impairment or in permanent serious disfigurement”. A ‘sprain’ is “an injury to ……
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