Traveling by car for work or leisure has become integral to our daily lives long ago. Most people take this activity for granted, not considering the value of motor vehicles in their routine. However, driving a car can be dangerous, too. Being involved in a car accident is one of the most stressful events in the victims’ lives, leaving long-lasting emotional, physical, and financial consequences. People who undergo traffic accidents experience personal injuries, emotional traumas, and significant material damage. Sometimes it takes years to get your life back on track after a devastating car accident.
The most common causes of car accidents in Canada, including New Brunswick, are the following:
In New Brunswick, all motor vehicle owners must purchase mandatory third-party liability coverage. The insurance protects car owners from liability if someone gets killed, injured, or suffers property damage due to the insured’s negligence.
The minimum mandatory third-party coverage is $200,000, available for any one accident. It covers death claims up to $50,000, funeral expenses up to $2,500, bodily injury claims up to $20,000, and medical payments up to $50,000 per person (with a four-year time limit).
There are over 65 private insurance companies offering car insurance in New Brunswick. The amount you pay for the coverage depends on the model of your car. Previous insurance and car accident claims record usually increases the insurance price.
If you are involved in a car accident as a victim (or a third party), you can file a claim seeking the at-fault driver’s insurance company to compensate for the damage you suffered (medical treatment, car repair costs, etc.). The key to filing a successful claim is recording all the details of the car accident, including time, location, and names of the participants, as well as witnesses. Take photos of the injuries or property damage you sustained.
After filing a claim, the insurance company’s claims adjustor will consider it and decide your case. If they deny your claim or offer only partial compensation, you can pursue compensation by filing a lawsuit against the driver at fault or his insurer.
Although insurance companies provide necessary protection against drivers’ liability by paying compensation to third parties, their main motive is profits. Claims adjusters’ job is to ensure the company pays less in damages than the premium they charge, meaning insurers will find ways to deny or devalue your compensation claim.
They will do so by blaming the victim, delaying the claims process, disputing the severity of injuries, or minimizing the property damage costs.
Fighting back against these tactics is difficult without professional legal help. You can engage in the battle alone, but remember that insurance company claims adjusters are well-versed in finding ways to pay you less. Hiring an experienced car accident lawyer is the best guarantee you will receive the compensation you deserve.
Jack Haller is a top-tier car accident lawyer practicing in New Brunswick, Moncton.
With over 20 years of experience, Mr. Haller knows all the subtleties of the car accident claim process. He can help you gather the necessary evidence to support your claim with the insurance company. If your claim is denied or devalued, Jack will use all his resources to file a lawsuit and represent your case convincingly in the Court of King’s Bench of New Brunswick.
Reach out today to schedule your free consultation. You do not have to pay legal fees until your file is settled.