Alberta’s Family Protection Endorsement (SEF 44) Explained


December 2, 2021

This blog post reviews why you may want to consider purchasing Alberta’s Family Protection Endorsement (SEF 44) in addition to your standard auto insurance policy coverage. We also review some limitations concerning “who” is covered and what is covered.

What does the Family Protection Endorsement Offer?

For a modest premium increase, you can add Family Protection Endorsement (SEF 44) when you purchase your automobile insurance policy. This additional coverage allows you to claim up to your third-party liability limits, (commonly $1 million or $2 million) in the event you are injured in an accident and:

  • the at-fault driver is underinsured; that is, they have less liability coverage than your claim is worth
  • the at-fault driver is uninsured, or
  • you are injured by a hit and run driver, or the at-fault driver is otherwise unknown

What does the Family Protection Endorsement (SEF 44) cover?

Continue reading

2022 Top Choice Awards – Voting Now Open


November 23, 2021

CAM LLP is proud to be an Official 2022 Top Choice Awards Nominee for the Top Choice Injury Law Firm of 2022 in Edmonton. This is the ninth year in a row we’ve been recognized with this honour. Thank you!

How to Vote

If you feel that we have earned your vote, please Click HERE. You will see our firm listed under the Top Choice Injury Law Firm of 2022 in Edmonton category. From that landing page, click ‘VOTE,’ and the platform will guide you through submitting your vote, which includes rating your experience with CAM LLP.

Voting is now open and runs until December 20, 2021 at 10:00pm MST. Continue reading

Injuries to School Bus Riders – What You Need to Know


November 12, 2021

It is every parent’s worst nightmare –  “School bus impaled by logs after collision north of Edmonton in Barrhead,” were the headlines in all the Alberta media outlets on November 2, 2021. Logs on a turning logging truck swung out and went though the side of the school bus. Unbelievably, and thankfully, no one was seriously injured but these types of random accidents can befall children riding as passengers in a school bus, with disastrous results.

A 2008 Final Report reviewing school bus collisions for Alberta Transportation recorded that every day in Alberta more than 5000 school buses were used to transport over 265,000 young Albertans to school. Continue reading

Injuries to Bus Passengers – Know Your Rights


November 3, 2021

Buses, such as those operated by the City of Edmonton and other municipalities, Red Arrow, Ebus, SunDog Tours and Cold Shot are “public carriers”, and as such, have heightened obligations to their passengers. The duty of the bus owner and bus driver is to carry bus passengers safely and to use all “due, proper and reasonable care and skill to avoid or prevent injury to the passenger.” In typical car accidents the injured person must show that the other driver was at fault.  With public carriers, there is a “reverse onus”, and the public carrier must show that the bus was being driven in a “skilled and prudent manner”. Continue reading

Safety Tips for a Happy and Safe Halloween 2021


October 29, 2021

Trick-or-treating is back! For those who celebrate Halloween, this is a wonderful time of the year. For an experienced plaintiff’s personal injury lawyer, however, Halloween can be a hazardous night. It’s never a bad call to review Halloween safety tips.

Children and teenagers, decked out in Halloween costumes, will be out and about, going from house to house to gather treats from strangers, frequently in unknown neighbourhoods and in darkness. And don’t forget people of all ages attending Halloween parties where alcohol or drugs may be in the mix.

There’s also a new issue to consider this year: many children are, as yet, unvaccinated. Continue reading

What happens when a child is injured while a passenger in a vehicle driven by a family member?


October 26, 2021

The leading cause of death for Canadian children is unintentional and preventable accidents, according to Raising Canada 2020,  a report produced by non-profit children’s welfare organization Children First Canada. Further, data from the Public Health Agency of Canada published in Injury in Review, 2020 Edition confirms that a major cause of serious injuries and death for Canadian children is transportation collisions.

In most cases, children are passengers, not drivers, and it is often a family member who is driving. No one wants to cause injury to a child, let alone a parent or family member, but accidents can happen at any time. Continue reading