Insurance Caps

Getting You The Benefits You Need

After you have been in an accident, you may make assumptions about your insurance coverage. You may know about caps on insurance benefits for what are called "minor injuries," and perhaps assume your access to the benefits you need is limited. Your insurer may also try to downplay the severity of your condition.

As personal injury lawyers dedicated to helping injured people in Atlantic Canada, we deal with insurers on a daily basis and we understand that insurance coverage is complicated.

The Minor Injury Cap

The minor injury cap is indexed for inflation, and as of 2013, it amounts to $8,100. In recent years, Nova Scotia has reviewed the legislation with regards to the cap and the kind of injuries to which it applies. As of 2010, the minor injury cap will not apply if the injury you have sustained substantially interferes with your life for 12 months or longer.

As your legal team in Atlantic Canada, we will work with you to make sure you receive a proper assessment of your injuries after a motor vehicle accident, especially if your injuries are difficult to diagnose and treat such as soft tissue injuries, whiplash, chronic pain and fractures. We know that when you are hurt, you need support. You do not need the stress of proving your case to an insurer. We are here to act for you while you focus on getting better.

Contact Auto Insurance Coverage Lawyers

Before accepting an offer from an insurer, you should seek legal advice to ensure the offer is fair. At MacGillivray Injury and Insurance Law, our initial consultation is free, so you have nothing to lose by booking an appointment and learning what your options are. If you can’t travel to meet at one of our offices in Halifax, St. John’s or New Glasgow, we also perform phone intakes and make house-calls to meet seriously injured people across Atlantic Canada.

Don't fight the battle alone. To learn about how insurance caps may apply to you, send us a message or call 1-888-434-0398.