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car accidents (pg. 2)
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| Moral Hazard |
| quote: | Originally posted by wienerschnitzel
Nah, i'm in alberta, |
I do a lot of personal injury claims in Alberta (I'm an adjuster)...
| quote: | | and they've just passed a truly ridiculous law that means i can't take any legal action for 90 days to make sure that i have recieved the 21 physio treatments the insurance covers. It's so beautiful, i have to have them completed in 90 days but it doesn't matter to them that i will be having a baby in hmm maybe 20 or 30 days.. so it's been a real headache. Not being able to take painkillers sucks and no one can give me a straight answer on what my rights are |
Under section B you can receive 80% of your net income lost up to a maximum of $300/wk for time missed from work due to injuries. There is a one week deductible (you don't get anything for the first week missed). If 80% of your net income loss is over $300/wk you have a right of action against the at fault party for the rest.
With regard to a tort action.... if your injury is a Whiplash Associated Disorder the maximum you can receive from the other party by way of a tort action for Non-pecuniary damages (pain and suffering) is $4,000. If your injury is something more then whiplash PM me and I will run a quick quantum analysis to give you an idea of the damages you can claim.
In addition, by way of a tort action you can claim for a loss of housekeeping capacity both past and future if your injuries prevent you from doing tasks around the house.
BTW, you have two years from the date of the accident to make a suit for injuries or lost income from the other party. I would recommend, however, that you send a letter to them putting them on notice that you intend to commence a tort action against them. This will get the ball rolling on a claim that could get you a quick settlement rather then waiting for years.
| quote: | | and what i can do to get reimbursed for the ambulance bill, |
Your ambulance bill is payable under the Section B benefits of the SPF (Standard Policy Form) 1..... the owner's policy in Alberta. All you should need to do is submit the invoice to your own insurer and they will reimburse you for it.
| quote: | | $500 deductable to fix the $5700 damage to my jeep, and other fees that keep poping up to deal with this mess. |
With regard to property damage Alberta works on a pure tort system. Given the details you have provided it is pretty clear the other party is at fault for the loss. Your insurance company will subrogate to their insurer to recover the damages they have paid as well as your deductible. You will get your $500 back once they have received payment from the other party's insurer. |
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| makija |
| does your boss knows that your mad raver? :haha: |
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| Moral Hazard |
| quote: | Originally posted by makija
does your boss knows that your mad raver? :haha: |
Trust me my friend.... every insurance adjuster is just a little ed up in one way or another.... you have to be in order to do this kind of work. |
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| dj_alfi |
| last monday a friggin bmw came and slammed right into the back of the car i was driving (military owned civil car, if that makes any sense). yay for :whip:lash |
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| LiveTheDream |
My dad two days ago was at some trafficlights, before them is a blind corner, a car came flying around them lost controll and span it, into my dad, sent his car into a wall:whip:
He got wHiplash and we are waiting to see if the car is written off, hoping not as we will lose 2K. |
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| nrjizer |
About two weeks ago I was driving home from work on a four lane road. I was in the left lane, this woman in a Tahoe was ahead of me and in the right lane. At an intersection, she decides that it would be a great idea to make a last minute left turn... not from the left lane, not even from the left-hand turn lane where she should have made the turn, but from all the way over in the right lane. Directly in front of me.
*Smack*
Now, I was in an '05 Civic. I realized what she was doing and managed to react quick enough to cut a bit to the left, but I had no chance of avoiding her and hit her hard at an angle. Thankfully I didn't Tbone her straight on, as I would have had I not reacted. My car is pretty ed (current estimate is almost $6k and of course they might find more to do as time goes on). I'm probably going to sell the car and get insurance to reimburse me for the diminished value (full coverage rocks). Then I'll buy a new car. |
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| igottaknow |
| quote: | Originally posted by enferno
i was driving twords an intersection (nothing big, just 2 lane roads intersecting) and this SUV creams this huge ing bus/truck thingy, and then like 3 other cars hit each of them. this happens like, 25 feet in front of me. |
scarry .
btw the worst might be yet the come. you ever see final destination? :eek: |
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| Boomer187 |
this thread is fun to read an hour before I leave to drive 6 hours to san diego !!!
im bringin my camera and hoping for a law suit! |
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| igottaknow |
| quote: | Originally posted by Boomer187
this thread is fun to read an hour before I leave to drive 6 hours to san diego !!!
im bringin my camera and hoping for a law suit! |
lets hope your not at fault because the video evidence could be used against you. san diego is sweet. enjoy |
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| MeLLyMeL |
| quote: | Originally posted by Boomer187
this thread is fun to read an hour before I leave to drive 6 hours to san diego !!!
im bringin my camera and hoping for a law suit! |
damn u boomer for not driving to florida or atleast san francisco :p |
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| Boomer187 |
| quote: | Originally posted by MeLLyMeL
damn u boomer for not driving to florida or atleast san francisco :p |
ha, drive to florida no way, then cross country drives suck ass. and I drive to san fran once a year....for teh love parade! u need to go ktnxblanknjonesisinLAonsattoo!!! |
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