There are many important deadlines you need to know about when filing an insurance claim after an accident. These are different from case to case, and you should know which ones apply to your insurance claim. If you miss your deadlines and fail to file in time, you will lose your right to sue and obtain full compensation for your injuries. Get expert legal advice to help get a full and fair settlement for your injuries.
Minor Injury Cap
The “Minor Injury Cap” doesn’t mean you don’t have a right to a claim.
The cap only applies to “pain and suffering”. It does not limit your claim for lost wages, loss of future income, medical expenses, cost of future care, loss of insurability, out of pocket expenses or loss of valuable services such as childcare, housekeeping or home maintenance. You still have rights to a claim.
Don’t Sign Anything
Don't sign anything for the insurance company.
You can be putting your rights at risk just by talking to an insurance adjuster if they contact you after your accident. Anything you tell them may be used against you during your insurance claim. Don’t let them pressure you into accepting an offer you will regret later- take the time to know your legal rights.
Soft Tissue Injuries
Soft tissue injuries (like whiplash) are not minor.
Soft-tissue injuries can result in permanent and severe problems and require extensive medical treatment. It can take months (and sometimes years) for you to know the extent and impact of your injuries. Don't let insurance company representatives tell you your injuries are minor - get expert legal advice.
The Government of New Brunswick has just announced draft regulations for consultation regarding the Minor Injury Cap for car accident victims in N.B. Consultations will be open for 30 days and proposed date for the changes to the law to become active is May 1st 2013.
Changes to the minor injury c[...]
If your car accident was caused by another person you may receive a call from their insurance company soon after the accident, offering you money as a settlement.
A settlement offer can seem generous at first, because the future costs of an injury are not always obvious.
Loss of Income
For exam[...]
Snowmobiles and ATVs in NB, NS and PEI are considered motor vehicles and must be insured, which means you have access to the same benefits that you have with a car or motorcycle. Among other things, you are guaranteed protection against a claim from another person, as well as access to medical b[...]
Concussions tend to be taken lightly. They don’t sound as bad as “traumatic brain injury”, but that’s what a concussion is. People often try to walk it off like they would with a scrape or a bruise, but a concussion can have severe and permanent effects on brain functions. That can mean expensiv[...]
If you were wrongfully denied Long-Term Disability benefits (or they were wrongfully terminated), you may consider suing the insurance company to obtain your benefits.
Who do I sue?
In most LTD cases, you sue the insurance company that is refusing to pay your benefi ts. Sometimes it may be necessa[...]
