Alberta’s advisory committee on insurance reform has recommended that the province change its auto insurance system to a no-fault system. No-fault auto insurance is common in jurisdictions where government plays a larger role in people’s lives such as British Columbia and Saskatchewan. This system is inconsistent with the values of personal responsibility, self-determination, and fairness that Albertans hold dear.
Experience in the U.S. and other provinces has also shown that no-fault doesn’t reduce premiums but leads to higher costs and fewer protections and civil rights for Albertans. A no-fault insurance means that if you’re hurt or your vehicle is damaged in an accident, your own insurance company will pay for some of your losses, no matter who caused the accident. Continue reading
What is the cap for soft tissue injury compensation claims in Alberta?
The Superintendent of Insurance, Sherri Wilson has announced the 2020 soft tissue (minor injury) cap amount. Since 2004, minor soft tissue injuries, including minor sprains and strains, have been limited by the government. In 2004 the minor injury cap was $4,000 and that has moved up due to inflation to $5,365 in 2021, a 1.3% increase from 2020.
Before 2004 a less severe injury that lasted 3- 6 months may have been worth anywhere from $5,000 – $15,000 for the pain and suffering. Since that time, the minor injury cap puts a limit on these less severe injuries and is set each year by the government. Continue reading
No one thinks twice about treating physical injuries that result from a car accident. First responders arrive at the accident scene immediately to assess and address any physical damage. If you have whiplash, you’ll likely visit a doctor or chiropractor multiple times until your pain becomes manageable. If you experience long-term health effects, you’ll continue to visit a physical therapist to learn coping strategies for returning to normal life.
However, unlike physical injuries, emotional injuries can be easy to ignore. We often tell ourselves we just need to “get over” the anxiety and PTSD that often follow a car accident, even though we would never tell ourselves to “get over” a broken leg or a brain injury. Continue reading
What is the main purpose of third-party liability?
Third party liability coverage in an automobile insurance policy will cover you if you are at-fault in a motor vehicle accident. In addition to giving you peace of mind, the main purpose of third-party liability coverage is to protect your assets in the event damages are assessed against you.
Standard practice for insurance companies and insurance brokers in Alberta is to recommend $1 million in third-party liability coverage in an automobile insurance policy. As a personal injury law firm, we urge you not to default to this standard practice, but rather purchase $2 million or more in third-party liability insurance. Continue reading
For many people injured in an accident, pursuing compensation for their injuries is a necessary part of their road to recovery. The first question we often get asked when meeting with an injured person is, “How much is my claim worth?” Unfortunately, the answer is often “It depends.” We know that can be frustrating to hear, but there are many factors that go into evaluating the value of a claim, and every case is different. Below are just some of the factors that may affect how much you might receive from a court in damages if you sue the person or persons responsible for your injuries. Continue reading
You may have heard that the Alberta Government is looking to reform the province’s Auto Insurance system. An online survey has been set up to collect input from Albertans. No details have been provided on what the new system would look like, but there has been reference to moving to a no-fault system.
We encourage all Albertans to take part in the survey and let the Government know what you want (and what you don’t want). You can find the link to the survey at the bottom of this post.
Before you provide your input, it’s important to understand in practical terms what a shift to a no-fault system will mean if you, or a loved one, is seriously injured in a car accident.