Major Sections in the Standard Automobile Insurance Policy
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Major Sections in the Standard Automobile Insurance Policy

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.

Can Insurer Send You to Their Medical Examiner?

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…

Are Vacation Benefits Deductible From Awards of Damages?

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…

Are Sick Leave Benefits Deductible from Awards of Damages?

The 1996 amendment to the insurance Act, supra, refers expressly to “sick leave plans”: s. 265.4(1)(b). Before then, sick leave credits used as a result of an injury could potentially be claimed if the evidence showed that they were cashable at the time of retirement or if there was an undertaking to reimburse the employer…

Medical Treatment Covered by No-Fault Insurers

Medical Treatment Covered by No-Fault Insurers

When the insured party survives a car collision but requires treatments, the insurance policy provides for medical coverage. The treatments covered are defined as follows in the contract: The insurer will pay with respect to each insured person who sustains a bodily injury as a result of an accident reasonable expenses resulting from the accident…

Do I need insurance to drive a snowmobile or an ATV?
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Do I need insurance to drive a snowmobile or an ATV?

Snowmobiles and ATVs in NB, NS and PEI are considered motor vehicles and must be insured, which means you have access to the same benefits that you have with a car or motorcycle. Among other things, you are guaranteed protection against a claim from another person, as well as access to medical benefits if you…

What are Section B Accident Benefits?
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What are Section B Accident Benefits?

A surprising number of individuals aren’t fully aware of what their auto insurance plan covers. From basic PLPD to full coverage, there are many different types of plans that different insurance companies offer. All Canadian insurance policies offer what is commonly called Accident Benefits, which is the financial support offered by the insurance company in…

Section B – Loss of income payments

Section B – Loss of income payments

If you were injured in a motor vehicle accident, then you have the right to get insurance benefits from your own car insurance company, or the insurance company of the other driver, no matter who is at fault for the accident. These benefits are called Accident Benefits (Section B) and include payments, such as weekly…

What forms are required to be completed to open my Section B claim?

What forms are required to be completed to open my Section B claim?

Automobile-Proof-of-Claim Employers-Confirmation-of-Income-Benefits To-Be-Completed-by-Attending-Doctor If you are injured in a motor vehicle accident, then you have the right to get insurance benefits from your own car insurance company, or the insurance company of the other driver, no matter who is at fault for the accident. These benefits are called “Accident Benefits” and include payment for medical…

Applying for Section B Accident Benefits

Applying for Section B Accident Benefits

Applying for benefits can be a stressful and overwhelming process. Don’t worry; we are here to help you. Your accident benefits insurer will send you three forms: 1. Notice of Claim Form Fill this Form out yourself and send it back to the insurance company right away. 2. Medical Form This Form should be filled…

Accident Benefits in New Brunswick (Section B)

Accident Benefits in New Brunswick (Section B)

If you were injured in a motor vehicle accident, then you have the right to get insurance benefits from your own car insurance company, or the insurance company of the other driver, no matter who is at fault for the accident. These benefits are called Accident Benefits (Section B) and include payment for medical and…

Insurance Sections: PLPD vs Comprehensive

Every car insurance policy in Nova Scotia, New Brunswick and PEI provides a minimum amount of coverage and benefits that are defined by law. If you have motor vehicle insurance, you are guaranteed to have at least that minimum amount of coverage. These benefits apply to all motor vehicles, including cars, trucks and motorcycles as…

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…

Le plafond de compensation pour blessures mineures

Après avoir été blessé(e) dans un accident, il se peut que vous soyez éligible pour la compensation de : perte de salaire passé et futur dépenses médicales passées et futures incapacité de faire votre maintenance domestique douleur, souffrance et perte de qualité de vie Le plafond de compensation pour blessures personnelles mineures s’applique seulement au…

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