If you have been injured in an accident caused by another’s negligence, you may be able to obtain medical benefits and other compensation for damages suffered. But making a claim with your insurance company and getting the benefits you need in a timely manner is rarely an easy process.
Following an injury accident, the last thing you want to do is deal with mountains of paperwork, lawsuits, and the shady tactics of insurance adjusters. When you are hurt, it is in your best interest to consult with an experienced medical benefits lawyer; the only thing you should be focused on is healing.
WHEN YOU SHOULD CALL A LAWYER
When it comes to insurance claims, the adjuster’s goal is always to pay as little as possible. As such, it is extremely common for individuals who file claims without legal representation to settle for significantly less than what they are owed. In some cases, their claims are denied entirely. It is in your best interest to work with a lawyer if another’s negligence has caused you harm.
SECTION B AUTO ACCIDENT COVERAGE
In Alberta, if you are injured in a car accident, you are entitled to receive benefits under your auto insurance policy, even if you were solely responsible for the accident. This is because Section B coverage is awarded regardless of fault. Even if you are the only occupant of the vehicle and you crash into a tree, Section B obligates your insurer to pay related medical and rehabilitation expenses (up to $50,000), and to compensate you for a percentage of lost income if you are disabled in the accident and cannot work as a result.
Beyond the insured driver, Section B coverage also extends to:
- Passengers in the vehicle with the insured;
- Pedestrians injured in a collision with the insured’s vehicle;
- The insured’s dependents, who were injured in other vehicles involved in the accident.
You are also compensated for up to 80 percent of income lost due to an accident-related disability. This coverage maxes out after two years. If you have been injured due to the negligence of another, the skilled legal team at Roberts Law can help ensure that you get the benefits you need in a timely manner.
LONG-TERM DISABILITY INSURANCE
If you are seriously injured in any type of accident, you may be unable to work for more than a few months or years. Long-term disability insurance covers a percentage of lost income (usually 6-70 percent) for an extended period of time. Depending on the policy, coverage either lasts a fixed number of years or up to a certain age.
Whether you are making a claim against your Section B auto coverage or your long-term disability policy, it is not uncommon for insurance companies to make the process as long and complex as possible. Having an experienced Alberta medical benefits lawyer by your side can be the difference between an outright denial, and years of coverage for medical benefits, rehabilitation, and lost wages.
CALL ROBERTS LAW TODAY
At Roberts Law, we don’t treat clients like a number. We tailor our service to each client’s unique needs because we understand that every case requires a different approach. Our dedicated, compassionate legal team has been protecting the rights of clients throughout central and southern Alberta for years, and we have an impressive track record of obtaining substantial settlements for our clients. Call us today at 587-391-5110 for a free and confidential consultation about your case.