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Accident Insurance Benefits Explained

You may not know this already, but in Alberta we have a tort-based insurance system. This means that in the event of a car collision, you get compensated a certain amount as “no-fault” benefits from your insurance provider, but you still have to go after the other person’s insurance company for additional compensation.

All Alberta drivers must have Accident Benefits insurance which covers expenses above provincial health care for injuries sustained during a car accident to certain limited set out in the Policy. These benefits are listed in Section B of the Alberta Standard Automobile Policy, and are commonly known as Section B benefits.

These benefits are “no-fault” benefits, which means that it doesn’t matter whether you were at fault for the accident or not, you still have a right to claim these benefits.

Section B benefits cover the expenses of medical treatments that are typically required to treat any injuries caused in a motor vehicle accident, as well as limited disability coverage in case you are “totally disabled” from performing your usual job due to the accident.

The medical benefits may cover costs such as (not limited to the following): Ambulance ride, acupuncture, chiropractic treatment, massage therapy, medication, and psychological treatment. There are other medical services that may be covered, if deemed necessary for your recovery, which are coordinated with your treatment providers. The provider approves the treatment by filling out certain forms during your treatment period.

The disability benefits can cover a maximum of $400 per week, or 80% of your pre-tax average weekly earnings, whichever is lower. However, if you have personal or work benefits that provide disability coverage, those benefits must be claimed first and then the Section B Disability benefits.

Every situation is unique and there are many rules and exceptions that may apply to your particular situation.  If you have any questions about your benefits as well as any legal options available to you in case of an accident, contact Peter Quansah Jr. for a free consultation.

Wondering how to file a personal injury claim? You can see detailed instructions here.

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