What will my Insurance Company pay for in Alberta and Northwest Territories?
After getting in a motor vehicle accident where you were not at-fault, you will have to deal with your insurance company and the at-fault driver’s insurance company. Each insurance company has a role to play in your recovery, and it is important to know what each insurance company can do for you.
Regardless of fault in Alberta and Northwest Territories car accidents, your own insurance company is responsible for your medical treatments. Within 10 days of the accident, you must complete forms for your insurance company to let them know what your injuries are, and whether or not you are able to work.
Your insurance company will pay for any necessary medical treatments, and will also pay disability payments if you are entirely unable to work because of the accident. In Alberta, your car insurer will pay up to $400 per week, and in the Northwest Territories, the maximum car insurance disability benefit is $140 per week.
Your car insurer will also pay for the property damage to your vehicle, if you had collision coverage. If you didn’t have collision coverage, then you will have to seek payment for vehicle damage from the other driver’s insurance company.
Have you been involved in a motor vehicle accident in Alberta or the Northwest Territories?
Ahlstrom Wright can help.
How do I claim compensation from the other driver’s insurance company?
If you decide to pursue compensation from the other diver who caused the accident, then you will need to deal with the other driver’s insurance company. Your own insurance company is not required to help you do this, so you may want to hire a personal injury lawyer to represent you.
If you can show that the other driver was at fault for the accident and caused injuries to you, then you can claim compensation from the other insurance company. Some of the things you can claim are general damages for pain and suffering, past loss of income, future loss of earning capacity, loss of housekeeping, out-of-pocket expenses, loss of consortium with your partner, and future care costs. Determining what compensation you are entitled to is a complicated process and may require evidence from medical and/or financial experts. You should not agree to a settlement with an at-fault insurer until you have fully recovered from your injuries.
Click here for a printable document outlining what to do and what to expect from each insurance company that you will need to deal with after an accident.