No-Fault Auto Insurance in Alberta

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

2021 Alberta Minor Injury Cap Announced

What is the cap for soft tissue injury compensation claims in Alberta?

The Superintendent of Insurance, Sherri Wilson has announced the 2020 soft tissue (minor injury) cap amount.  Since 2004, minor soft tissue injuries, including minor sprains and strains, have been limited by the government.  In 2004 the minor injury cap was $4,000 and that has moved up due to inflation to $5,365 in 2021, a 1.3% increase from 2020.

Before 2004 a less severe injury that lasted 3- 6 months may have been worth anywhere from $5,000 – $15,000 for the pain and suffering.  Since that time, the minor injury cap puts a limit on these less severe injuries and is set each year by the government. Continue reading

Four Steps to Coping with Emotional Trauma after a Car Accident

No one thinks twice about treating physical injuries that result from a car accident. First responders arrive at the accident scene immediately to assess and address any physical damage. If you have whiplash, you’ll likely visit a doctor or chiropractor multiple times until your pain becomes manageable. If you experience long-term health effects, you’ll continue to visit a physical therapist to learn coping strategies for returning to normal life.

However, unlike physical injuries, emotional injuries can be easy to ignore. We often tell ourselves we just need to “get over” the anxiety and PTSD that often follow a car accident, even though we would never tell ourselves to “get over” a broken leg or a brain injury. Continue reading

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.
Continue reading

Alberta Traumatic Brain Injury Online Resources

The lifetime impact of a traumatic brain injury (TBI) can be overwhelming, especially for someone who is just beginning their road to recovery. As a law firm, CAM LLP is committed to not only defending their clients who are suffering from TBI, but also to supporting the Alberta non-profits and centres who play a critical role in the rehabilitation and caregiving of TBI sufferers.

In our efforts to continue supporting these groups and our clients in any way we can, we have created a credible list of TBI online sites for those who may need help in recovery and encouragement that things will get better. Continue reading