Our Lawyers are Experts in Motor Vehicle Accidents

Car accidents happen every day on our highways and the streets that run through our communities. When an accident happens and someone is injured, people often don’t know what to do or what their rights are. As personal injury lawyers, it is our job to help you through this. We help you understand how car insurance works, what the steps in the legal process are, and what kinds of benefits are available to you. And if you’re not receiving the benefits you’re entitled to, then we step in and fight for you.

When you’ve been hurt in a car accident caused by another person, you can sue that person for the physical, emotional, and financial losses they caused you to incur. In law, these losses are referred to as “damages.” For example, if you’ve missed time from work due to your injuries, you can sue the negligent party for these lost wages.

MacGillivray Injury and Insurance Law has been standing up for car accident injury victims across Atlantic Canada since 1994. Our team of lawyers and support staff, working out of offices in Halifax, New Glasgow and St. John’s, are experienced advocates for those who have suffered trauma due to someone else’s negligence. We understand the physical, emotional, and financial toll that a car accident can have on a person, which is why we work diligently to get you a fair result and support you every step of the way.


In Nova Scotia, Newfoundland & Labrador, New Brunswick, and Prince Edward Island, our legislators passed an Insurance Act, which contains a standardized policy known as the ‘standard owner’s policy’. This provides a uniform template for all motor vehicle insurance contracts. The standard owner’s policy contains the following four key sections:

  • Section A: When You’re Injured at the Fault of Another. This section permits you to claim against the other driver’s Section A insurance for injuries and damages caused by the driver at fault.

  • Section B: Compensation. This section covers a maximum of $50,000 for medical expenses and $250 per week for lost wages. This is done through your own insurance policy or that of the car you were driving at the time.

  • Section C: Damages. This section covers damages to your vehicle after it has been in an accident.

  • Section D: Injuries. This section applies when you have been injured by an or unidentified or unidentified driver.

The insurance company for the driver who is at fault is responsible for your claim for damages. Injury victims also receive some benefits from the no-fault insurer, called Section B insurance or Section B benefits. This is a complicated and sometimes misunderstood system. As your lawyers, we will always make sure you understand how your insurance works and help you meet the criteria to maximize your claim. We help clients to navigate specific aspects of insurance, including:

As an aside, remember that if you lend your car to someone and it is involved in an at-fault accident, it will be applied to your insurance record and your premiums will increase.

It is a reality that many people across Atlantic Canada are forever changed by their car accident injuries. When the accident is another person's fault, it is possible to sue after a car accident. When you require advocacy and support, our car accident lawyers are here for you. Our dedication and compassion are backed by our extensive legal knowledge and experience.

we will fight for you

Don't fight the battle alone. MacGillivray Injury and Insurance Law is here to support you. We have offices in Halifax, New Glasgow, and St. John’s, and make house calls and arrange phone intakes with people across the rest of Atlantic Canada who cannot travel to one of our offices. The consultation is free and with no obligation, so contact us today.