If you've been injured in a motor vehicle accident, you know how overwhelming the physical, emotional, and financial challenges can be for you and your loved ones. Our lawyer is here to stand by your side, guiding you through the complex legal process and ensuring you receive the compensation you deserve.

Acting quickly is essential to protect your rights. Reach out to us today to schedule a free consultation our lawyer. We’ll thoroughly review your case, address any questions you have, and provide the direction you need. Even if we're not the right fit, we'll help you find the best path forward.

Whether your car accident is minor or life-altering, you may be entitled to compensation. Contact Stem Law Office for a free consultation and get the answers you need to focus on healing and recovery.

Alberta Minor Injury Regulation

The minor injury cap in Alberta limits the amount of compensation that can be awarded for certain types of minor injuries resulting from a motor vehicle accident. These injuries typically include soft tissue injuries like sprains, strains, and whiplash-associated disorders.

• Limited Compensation for Minor Injuries: The cap restricts the maximum amount an injured person can receive for pain and suffering related to a minor injury. For instance, if your injury is classified under the cap, the maximum payout for pain and suffering is limited, regardless of the actual impact on your life.

• Insurance Company Tactics: Insurance companies often leverage the minor injury cap to minimize payouts. When an insured person files a claim, the insurance company might categorize their injury as "minor," even if it has caused significant disruption to their life. By doing so, the insurer can limit the compensation offer to the cap amount, which is lower than what might be owed if the injury were classified as more serious.

• Pressure to Settle: Insurance companies might pressure the injured party to settle for the cap amount quickly, arguing that this is the maximum compensation allowed. However, the insured may be entitled to more if the injury is reclassified as non-minor or if other damages, like lost wages or future medical expenses, are considered

• Disputes and Legal Challenges: If the injured person believes their injury is more severe than the insurance company acknowledges, they may need to challenge the insurer’s classification. This can involve medical assessments, legal consultations, and, in some cases, litigation. The process can be daunting, and insurance companies may rely on the fact that many people are unwilling or unable to pursue a lengthy legal battle. Contact Stem Law Office and allow us to fight on your behalf.

Section B Benefits

Section B benefits, also known as Accident Benefits, are mandatory in Alberta and are included in every standard auto insurance policy. These benefits provide coverage for medical expenses, income replacement, and other necessary costs if you are injured in a motor vehicle accident, regardless of who is at fault. Section B benefits cover various expenses such as medical treatments, rehabilitation, and even funeral costs in the event of a fatality. The primary aim of these benefits is to ensure that injured parties receive the necessary financial support to cover immediate needs and help them recover from their injuries without delay.

To access Section B benefits, you must first notify your insurance company about the accident as soon as possible and file a claim. The insurer will require you to complete certain forms, such as the AB-1 form, which details your injuries and the medical treatment you’ve received. It’s essential to follow up with your healthcare providers to ensure that they complete the necessary medical forms and reports that will support your claim. Once submitted, your insurer will review the documentation, and if everything is in order, they will begin processing your benefits, providing you with the financial assistance needed during your recovery.