Recovering from injuries sustained in motor vehicle accidents can be extremely expensive. Few people can appreciate the costs associated with accident-related injuries. Unfortunately, even fewer are financially prepared for the costs that follow an injury-causing collision.
According to data released by the Government of Alberta’s Ministry of Transportation and Economic Corridors, in one recent year alone, nearly 12,000 community members across the province were injured as the result of a motor vehicle accident. Hundreds more road-users lost their lives in fatal collisions throughout the province.
Even road-users who sustain minor or moderate injuries in a motor vehicle collision could feel the disruptive and costly impacts of their injuries for weeks, months, or even years. As a result of being injured, car accident survivors could incur substantial financial losses related to medical treatment, physiotherapy, psychological treatment, home modifications, lost wages, reduced future earning capacities, and more. Regardless of who was at-fault for the collision, injured motorists could find themselves coping with physical, emotional, psychological, and financial hardships.
Fortunately, anyone who has been injured in an Alberta motor vehicle accident should be entitled to Section B benefits. Also referred to as “no-fault accident benefits,” Section B benefits are intended to offset the costs of certain injury-related expenses, regardless of who was responsible for causing the collision to occur.
That means that anyone who sustained injuries in a motor vehicle accident– including other motor vehicle operators, their passengers, cyclists, and pedestrians– should be able to access insurance coverage to compensate them for certain financial losses incurred as a result of their injuries.
Section B benefits can provide much-needed financial support to injured survivors of motor vehicle collisions. Unfortunately, not all Section B benefits claims are approved by insurance providers. Furthermore, depending on the severity of the injuries sustained by a car accident survivor, the amount of benefits they may be able to access might not come close to replacing their total injury-related losses.
To learn how our legal team may be able to assist with your case, contact us today and book a free initial consultation.
Alberta’s Insurance Act provides official guidance on Automobile Accident Insurance Benefits Regulation to legislate the amounts of insurance coverage that should be made available to car accident victims, depending on the severity of their injuries. For example, the benefits available to people who have sustained minor injuries– such as sprains, strains, and whiplash associated disorders– are entitled to lower amounts of Section B benefits than those who have become permanently disabled as a result of their injuries.
Individuals whose accident-related injuries exceed the parameters of the Insurance Act’s Diagnostic and Treatment Protocols Regulation should be entitled to a maximum of $50,000 over the course of two years after the accident. These benefits can be put towards reasonable costs incurred because of their injuries, including:
People who have suffered disabling injuries may be entitled to disability benefits through Section B coverage, as well. So long as the accident survivor was employed at the time of the collision and can no longer perform any and every duty of their occupation as a result of their injuries, they could be entitled to the lesser of:
These disability benefits payments can be made available for as long as an accident survivor’s injuries persist.
In the unfortunate event of a car accident resulting in a fatality, Section B benefits can provide:
Accident victims who have been injured in hit and run accidents or in collisions caused by uninsured drivers may also be able to access insurance coverage to help with their recovery. If the person responsible for your collision fled the scene or did not have auto insurance, you may be able to recover payment for injury-related costs you have incurred through the province’s Motor Vehicle Accident Claims Program (MVAC).
Accessing Section B benefits can be an essential component of an injured accident survivor’s recovery. Unfortunately, what should be a straightforward process is often confusing, complicated, and frustrating.
Insurance providers often find reasons to deny claims for Section B benefits, withhold or delay payments, or offer unfairly low settlement amounts that do not take the full spectrum of a car accident survivor’s injuries into account. The reasons for these decisions are often difficult to comprehend.
That is why it is so important to take advantage of a free initial consultation with our lawyers as soon as possible. After being injured in a motor vehicle accident, our lawyers may be able to help you complete and file your insurance claim thoroughly and accurately. In the event that your claim is denied or the benefits offered to you are unfairly low, our lawyers may be able to represent your best interests in negotiations with your insurance provider and fight for fair compensation on your behalf throughout any and all ensuing legal proceedings.
To learn more about working with our Section B benefits lawyers serving all of Alberta, contact us today and schedule your free initial consultation.
Our Section B benefits lawyers are committed to helping the clients we represent receive the fair treatment they are rightfully owed. To review your situation and learn more about how Preszler Injury Lawyers may be able to assist you, book your free initial consultation with our Section B benefits lawyers serving all of Alberta.
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