What to know about Section B – Accidents Benefits (No-fault Benefits)
In Alberta, automobile insurance is prescribed by legislation. The result is a standardized insurance policy that is the same for all motorists. The three sections in Alberta’s Standard Owner’s Automobile Policy, Form (SPF No. 1) are:
- Section A – Third Party Liability Insurance – Mandatory
- Section B – Accident Benefits – Mandatory
- Section C – Loss of or damage to insured vehicle – Optional
If you’ve been involved in a motor-vehicle accident, you have a right to claim accident benefits from your insurer no matter who is at-fault in the accident. Continue reading
Car Accident Statistics in Alberta
According to a 2020 report from Alberta Transportation, almost 95,000 car accidents occurred in Alberta, causing more than 200 deaths and injuring more than 11,000 people. That means an average of nearly 260 accidents happen in Alberta each day!
No one anticipates a car accident and you’ve probably heard different opinions about how to handle your claim, whether it’s from family and friends or from information on the internet.
In this blog post, we share some common myths surrounding car accident claims. Understanding the realities of motor vehicle claims will help you prepare in the event you or a loved one is involved in an accident. Continue reading
The Superintendent of Insurance Interpretation Bulletin 09-2022 confirms the annual increase in the Minor Injury Cap; the amount for non-pecuniary damages for minor injuries sustained in car accidents in Alberta.
Effective January 1, 2023, the maximum minor injury amount of $5,488 will be adjusted by six per cent, to $5,817. The new amount is applicable to minor injuries resulting from automobile accidents that occur in Alberta on
or after January 1, 2023.
Questions about the Minor Injury Cap and how it affects you? We are always happy to help people understand their options regarding an injury claim. Contact us if you would like a free consultation to get answers about your specific situation. Continue reading
In an earlier blog post CAM LLP canvassed what happens when a child is injured while a passenger in a vehicle driven by a family member. A recent decision from the New Brunswick Court of Appeal, Edmondson v. Edmondson, 2022 NBCA 4, granted summary judgment to the legal representatives of a five-year-old child against his father for injuries suffered while a passenger on the father’s motorcycle, and found the father liable squarely on the basis of his parental negligence.
The case highlights the high degree of care that a parent must take while transporting their child, should the worst happen and they are in a motor vehicle accident. Continue reading
Losing a loved one is devastating. This article reviews your potential legal remedies as a result of wrongful death, but we know that no amount of money can replace your loved one.
We also recognize that the first step in dealing with your loss is to obtain emotional support from your family and friends, and to access necessary counselling support to help you cope with the grieving process.
Alberta Health Services has gathered some resources that you may find helpful here and additional resources are available through CAMH Edmonton. Your family doctor may also be able to connect you with local resources. Continue reading
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