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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…
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.
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 ……
What are Pecuniary Damages These types of damages are the ones that are monetary in nature. Because of a wrongdoing, the injured person is no longer able to earn an income, or has to spend money for additional goods and services, and will be compensated accordingly. This loss can be experienced for a period both…
Some drivers do not have insurance covering their vehicles in the event of an accident. This situation exists even though it is the law for all motor vehicles to have insurance to cover medical costs, lost wages, and the other damages suffered by a victim injured in a collision. Each year, a number of motorists…
After being injured in a motor vehicle accident, some people can return to work, but others will be unable to work for the rest of their life. However, there may still be sources of revenue available even if you do not have a job, and, for insurance purposes, that money is considered differently than a…
If you have been injured because of someone else’s negligence or recklessness, you may have the right to make a personal injury claim. A claim against the at-fault driver is usually paid by his or her insurance company. This type of claim is known as “Section A” claims. More than 95% of these claims are…
If you suffered personal injuries following a motor vehicle accident, made a claim and received a date for your Oral Discovery (or Examination for Discovery), you probably have some questions. In this article, we are giving you some general information regarding the Oral Discovery. Of course, it is in your best interests to consult with…
In order to hold a valid case, an individual filing a personal injury claim against another individual must not be at fault. With that being said, personal injury lawyers use what they call causation in order to determine who was negligent in the situation being – causation is the chain of events leading up to…
Before deciding to file a personal injury law claim, the individual involved usually receives an offer of settlement from the insurance company involved in the matter. Their goal, by offering compensation, is to deter the individual from filing a legal claim. With that being said, an individual will often file a personal injury claim in…
If you’ve had the misfortune of being in a car accident or know someone who has been involved in one, you may know to what extent insurance coverages come into play when determining the compensation each party involved will receive. You may not know, however, that insurance companies tag onto automobile policies a coverage called…
You can’t speak about a personal injury law case without speaking of pecuniary and non-pecuniary losses. These two terms are in fact directly correlated with the term compensation. If you hire a personal injury lawyer for your case and your case is indeed won, the amount of money you will receive for compensation of your…
When someone is injured in a motor vehicle accident, there are certain procedures in place in order to insure their well-being. In the event of an accident, we call the compensation offered to the victim compensatory damages. In fact, this type of compensation is meant to place the victim of a motor vehicle accident in…
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