Best Consumer Protection Lawyers in Charlottetown, PE

In our current legal system, a claim based in negligence needs to be filed against a negligent driver. The claim against a friend or family member in a single vehicle accident will usually be paid by the insurance company insuring the car you were in. The chance that you will have to testify against the driver in court is low as about 97% of cases settle outside of court.

If you were injured in a single car accident and no one else is at fault (i.e. you lost control because of black ice, you hit a deer crossing the road), you could receive accident benefits from your own insurance company. This is commonly known as Section B benefits or no-fault accident benefits. Accident benefits can reimburse you for medical expenses and pay for part of your loss of income as a result of the accident, even if you are at fault.

In a typical personal injury claim against a faulty driver, you can claim for the following:Pain and suffering (the cap can apply here)Loss of income, past and future, and your loss of earning capacity and loss of competitiveness on the job marketCosts of medications and treatmentsCost of housekeeping and maintaining your homeIncreased insurability costs What is important to know, and this applies to all personal injury claims, is that it is the injured person (claimant) that has the burden of proof to show how the accident has affected them. The insurance company will defend, dispute, or question any claims brought forward by the claimant.

Most long-term disability insurance policies have provisions that allow the long-term disability insurance company to have you assessed by a doctor of their choosing. This is to determine if you are entitled to LTD benefits. Of course, the medical practitioner that the long-term disability insurance company chooses must be reasonably qualified to do such a medical assessment and should not be biased.

You should consult with a lawyer as soon as possible after the denial or termination and the lawyer will review the limitation periods with you and ensure that your claim for long-term disability insurance is not statute barred because a limitation date was missed.