Canada car claim injury insurance can be a bit confusing with the various caps, public auto insurance system, no-fault options, etc.
Many Canadian residents just aren't sure exactly what type of auto insurance coverage is best for them and their family, or even how the different options work together.
Some drivers feel that they don't really need to worry about Bodily Injury insurance because any medical expenses they may have will be covered by the government provincial health plan.
If only it were that easy! It's not. ;)
The government does require you to have a limited amount of both Liability insurance and Accident Benefits and Bodily Injury coverage to protect you and the other party involved in any accident.
Although this may seem like you are paying for something twice, it does work to your advantage if you happen to be the one filing a personal injury claim for a car accident in Canada.
When you are filing a car accident injury claim, you want to be able to have all of your expenses fully covered, not just your medical bills, but your lost wages, pain and suffering, etc.
Your Accident Benefits coverage (or no-fault coverage) pays up to the limits that you've purchased. After that, you may have to sue the at-fault driver for any costs that exceed those limits. Their insurance company should pay that amount.
Finally, the government health care plan will take up the slack. Unfortunately, you end up paying for that (as do all Canadian residents) through health care levies.
Have you ever heard that their are caps on the potential payout with Canada car claim injury insurance?
Although there are some award caps, it's not quite as straightforward or cut-and-dry as that.
Some provinces do regulate the amount of pain and suffering you can be awarded if the accident and injury were only minor and short lived.
Don't panic! If you've been involved in a serious accident and have suffered major or long term physical consequences, you aren't capped at what you can receive as compensation.
Incidentally, these insurance award caps do not have anything to do with your medical payments or lost wages compensation, etc. This is strictly in relation to pain and suffering and only in certain situations.
If you've got a car accident injury claim, don't settle for less than what you deserve. That's why you pay for insurance in the first place (and why the other guy pays, too!).
If you're having trouble negotiating the whole process, you may want to check out these resources for professional advice on getting a fair settlement. I've got my fingers crossed for you!