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

Winter Driving Tips for Motorists

Alberta winters can be beautiful, but they can also be dangerous. Snow piles up on the road; blizzards impair drivers’ vision, and ice makes it easier for cars to slip.

Fortunately, car accident fatalities usually decrease during the winter. More people stay inside instead of risking bad weather, and most people drive slowly in bad weather.  However, accidents tend to increase on the first day or two after a snowstorm as drivers adjust to the new weather conditions. 

Not all accidents can be avoided, especially when you’re the victim of a negligent driver. But there are steps you can take to keep yourself and others on the road safe this winter. Continue reading

Halloween: the Scariest Night of the Year for Personal Injury Lawyers

Halloween, steeped in its Celtic origins, has been embraced as a fun holiday by most Canadians, including children, teenagers, and adults. 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 very scary night.

Young children, decked out in colourful costumes idealizing what they would like to be, or dressed as their favourite pop culture character, will run from house to house to gather treats from strangers, frequently in unknown neighbourhoods and in darkness. Teenagers will gather for raucous Halloween parties with their friends, frequently indulging in alcohol or drugs. Continue reading

Drivers and Pedestrians. Do You Follow the Rules of the Road?

You’re out for a quick jog before work. It’s early and summer traffic is light, you decide to cut across a normally busy Edmonton street. Just like that—and out of nowhere—a car swerves into your path, missing you by centimetres.

Even if the above scenario has never happened to you, it’s increasingly possible in our fast-paced world. Even pedestrians who stay within the crosswalk may feel unsafe amid a sea of drivers who feel tired, distracted, or entitled to ignore the rules of the road.

Be proactive about preventing accidents; take time to refresh your memory and learn more about drivers’ and pedestrians’ basic responsibilities to each other. Continue reading

School’s out! Summer Safety Reminders for Drivers, Parents, and Kids

Summer is well underway, and school is out for elementary, junior and senior high school age children. The summer means more kids on bikes, skateboards, and on foot (plugged into their smartphones). It also means an uptick in young people learning to drive. All of these things increase the potential for injuries to children. For drivers, this means you need to tune up your “kid radar” and drive defensively with a view to doing your part to ensure their safety and to protect yourself against liability.

In Alberta, ss. 185 and 186 of the Traffic Safety Act create a reverse presumption against drivers, such that if there is a collision between a motorist and a non-motorist (for example, a collision between a car and a child walking or on a bike), the onus is on the driver of the vehicle to prove that the accident did not arise solely because of their negligent operation of the vehicle. Continue reading

3 Safety Tips for Cold Weather Pedestrians

According to the government of Alberta, on average more than 1,170 pedestrians are injured each year in collisions and 43 of those injuries are fatal. Even though it’s “technically” spring, weather conditions still aren’t stellar and you will likely need to do some walking outdoors. Whether it’s to escort your children to school, make your daily commute, or getting in some exercise, following these three safety tips each time you venture out can help you avoid becoming a tragic statistic.

Plan Your Route and Make it Known

Extreme weather conditions make it essential to plan ahead. It’s smart to let someone know where you are going, what time you will be back, and what route you plan to travel. Continue reading