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
After the initial treatment of any injuries sustained, the first concern most people have following a collision is dealing with the damage done to their vehicle. This will involve obtaining funding for any necessary repairs or, if the vehicle is written off, receiving a lump sum payout for the value of the vehicle.
If you have collision coverage on your vehicle, your insurer will be able to assist you. If you are at fault for the accident, they will pay for your property damage, less your deductible. If another party is at fault, and that party has insurance, your insurer will usually pay for the damage to your vehicle less your deductible (although your insurer will likely waive the deductible if liability for the accident is not in dispute) and recover that amount from the at fault driver’s insurer. Continue reading
A minor motor vehicle collision can be a traumatic event. The following are some helpful hints about what to do if you are involved in a collision:
Information You Will Need
At the collision scene obtain all information related to the collision from the other party or parties involved in the collision including:
- Name, address and phone number of all drivers (ask to see their driver’s licences);
- Name, address and phone number of the owners of the vehicle(s) if different from the drivers;
- The licence plate number and vehicle identification number of each of the vehicles, along with their make, model and colour;
- The name of the insurance companies and policy numbers for each of the other vehicles involved.
If you have sustained injuries from an accident you may be asking yourself where and how to start looking for a personal injury lawyer in Edmonton. As an accident victim you are already suffering from the pain of your injuries, coping with getting the right medical treatment and dealing with insurance adjusters. It can get overwhelming, very quickly. Knowing that you have a personal injury lawyer that you can trust to explain what’s going on and help you through the process can make it much easier to focus on your recovery.
A good lawyer will have dealt with your type of injury before and has the experience to guide you through the claims process. Continue reading
When a loved one is injured, you naturally want to help. Many spouses, parents, and other family members really step up to the plate to assist by providing caretaking, companionship, nursing, childcare, and transportation. Many also contribute financially by, for example, taking time off work or quitting their employment to take care of their injured loved one, refurbishing their homes to make them accessible and provide accommodation, or perhaps even purchasing adequate accommodation to meet the enhanced needs of their injured loved one.
Giving up a job, expending money on home renovations or buying accessible housing each have a big financial impact. Continue reading
Many people suffering injuries in a motor vehicle accident are concerned that pre-existing injuries they may have had from previous motor vehicle accidents, for example, might reduce or perhaps negate any potential damage award that might be granted to them. This is a valid concern as many people suffer from pre-existing injuries such as disc degeneration problems and ongoing chronic pain. As the plaintiff in a personal injury action you can anticipate that the lawyers for the defendant will review your medical records looking for pre-existing injuries or medical conditions.
How will my pre-existing injury affect my personal injury case?
The bottom line is that the judge will, in assessing damages, only put you back in your “original position”, which will include an assessment of your pre—existing injuries. Continue reading