Why You Need At Least $2 Million of Third-Party Liability Coverage In Your Automobile Insurance Policy

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

Avoiding Motorcycle Accidents: Answering the Call of the Road Safely

Baby Boomers grew up with Easy Rider, and for Millennials and others, the romance of the motorcycle endures. As we finally pull ourselves out of a seemingly never-ending winter, motorcyclists are eager to get out on the road and enjoy our beautiful province. Unfortunately, a personal injury lawyer sees all too frequently the harsh reality for many motorcyclists – a tragic accident, often resulting in catastrophic injuries or death.

Safety Tips for Motorcyclists

As a personal injury lawyer who was seen the downside of the call of the road, I offer the following tips for safer motorcycle riding:

  • Before each ride inspect your bike to make sure everything is in working order and inspect the tires to make sure they are properly inflated.
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What Should You Do If You Are Injured In A Hit-and-Run Accident?

If you are injured in a hit-and-run accident in Alberta, whether as a pedestrian, a cyclist or while driving your own motor vehicle, you may still be able to get compensation for your injuries. The Government of Alberta, through the Administrator of the Motor Vehicle Accident Claims Fund, will pay compensation up to $200,000 for personal injury claims brought by individuals who are injured in motor vehicle collisions that were caused by an unknown and unidentified driver. Also, if you have insurance coverage through your own automobile insurer in the form of a SEF 44 Family Protection Endorsement, which provides coverage to you in the event that you are injured in a collision caused by an uninsured or underinsured driver, you may also have a claim under your own insurance policy as illustrated by this Alberta case. Continue reading