When you’re dealing with the aftermath of an accident or a denied disability claim in Charlottetown, the last thing you need is more stress. At MacGillivray Injury and Insurance Law, we understand that behind every case is a person facing pain, uncertainty, and financial pressure.
Our downtown Charlottetown office serves injured individuals throughout Prince Edward Island. Whether you’ve been hurt in a car accident on the University Avenue, suffered a slip and fall at the Confederation Court Mall, or had your disability benefits wrongfully denied, we’re here to help you navigate the complex legal landscape and secure the compensation you deserve.
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Why Choose a Charlottetown Personal Injury Lawyer?
Local knowledge, provincial reach
While we serve clients across Prince Edward Island – from Charlottetown to Summerside – our Charlottetown location gives us unique insights into local court systems, insurance practices, and medical networks. We’ve built strong relationships with PEI medical professionals and expert witnesses to strengthen your case.
Experience that makes a difference
With over 30 years representing injured Prince Edward Islanders, we’ve seen how insurance companies operate. They have teams of adjusters and lawyers working to minimize payouts. Our Charlottetown injury lawyers level the playing field, ensuring your voice is heard and your rights are protected.
No recovery, no fee
We work on a contingency basis, meaning you don’t pay anything upfront. Our fees come from your settlement or court award – if we don’t win, you don’t pay.
Understanding Your Compensation
What Damages Can You Claim?
Personal injury compensation in Prince Edward Island covers various types of losses:
Economic Damages:
- Medical and rehabilitation expenses
- Past and future lost wages
- Loss of earning capacity
- Cost of future care
- Out-of-pocket expenses
Non-Economic Damages:
- Pain and suffering
- Loss of enjoyment of life
- Loss of valuable services
- Family members' loss of care and companionship
Maximizing Your Settlement
Insurance companies often make quick, lowball offers hoping you'll settle before understanding your claim's true value. Our Charlottetown personal injury lawyers ensure you receive fair compensation by:
Gathering comprehensive medical evidence
Working with economic experts to calculate future losses
Negotiating aggressively with insurance adjusters
Preparing for trial when necessary
The Claims Process: What to Expect
In Prince Edward Island, you generally have two years from the date of your accident to file a personal injury lawsuit.
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Initial Consultation
Your journey begins with a free consultation at our Charlottetown office or virtually. We'll review your case, explain your options, and outline a strategy – all at no cost to you.
Investigation and Documentation
We handle all aspects of building your case, including obtaining police reports, collecting medical records, and calculating your financial losses.
Negotiation and Resolution
Most personal injury claims settle without going to court. We negotiate strategically, using our trial-ready approach to strengthen your position. Insurance companies know we're willing to go to court, which often leads to better settlement offers.
Trial Representation
When fair settlements aren't possible, we're prepared to advocate for you in court. Our Charlottetown lawyers have extensive trial experience and aren't afraid to fight for your rights before a judge and jury.
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Practice Areas
Charlottetown's busy streets and highways see thousands of accidents each year. We handle all types of motor vehicle injury claims. We manage all aspects of your claim – from dealing with Section A and Section B insurance coverage to securing compensation for medical expenses, lost wages, and pain and suffering.
Car Accidents
Pedestrian Accidents
Bicycle Accidents
Motorcycle Accidents
ATV, Boat, and
Snowmobile Accidents
Truck Accidents
When illness or injury prevents you from working, your long-term disability benefits should provide financial security. Unfortunately, insurance companies often deny legitimate claims or terminate benefits prematurely. Our team understands the tactics insurers use to deny LTD claims and knows how to build compelling cases that get results.
Long Term Disability
CPP Disability
Not all injuries happen on the road. We also represent Charlottetown residents injured in slip and fall accidents, dog bites and animal attacks, defective product injuries and wrongful death claims
Slip and Fall Accident
Dog Bite Injury
Wrongful Death Claim
Product Liability
What Our Clients Say...
Frequently Asked Questions
In Prince Edward Island, you generally have two years from the date of your accident to file a personal injury lawsuit. However, some exceptions apply. Don’t wait – contact our Charlottetown office immediately to protect your rights.
Prince Edward Island follows a contributory negligence system. Even if you were partially at fault, you can still recover damages reduced by your percentage of fault. For example, if you were 25% at fault for an accident, you could still recover 75% of your damages.
Most personal injury cases in Charlottetown settle without trial – approximately 95% resolve through negotiation or mediation. However, our willingness to go to court strengthens your negotiating.
While you have the right to self-represent, insurance companies have experienced legal teams working to minimize payouts. Studies show that injured people with lawyers receive significantly higher settlements, even after legal fees.