What are Section B benefits and why are they important to my Halifax car accident claim?

What are Section B benefits and why are they important to my car accident claim?

Hi there. I’m Nova Scotia car accident lawyer John McKiggan. If you have been in a car accident you need to know what Section B insurance coverage is and what benefits you are entitled to receive from your insurer under Section B of your car insurance policy.

SECTION B is sometimes referred to as "First Person" or coverage or "No Fault" coverage because the benefits under this section of the policy are paid to the insured regardless of fault or who caused the accident.

In other words, even if you injure yourself by hitting a patch of ice and crashing into a tree, you are still entitled to receive medical, rehabilitation and income loss benefits under Section B of your car insurance policy.

Who is covered?

• Any person who is an occupant (driver or passenger) of an insured vehicle;
• Any pedestrian hit by an insured vehicle; and
• Any person who is a dependent or family member who is an occupant of another automobile.

What is covered?

Your Section B benefits will pay all reasonable medical and rehabilitation expenses that are necessary as a result of the car accident.

The standard coverage under Section B is $50,000.00 or fours years, whichever comes first.

In other words, if you are seriously injured and require 24 hour nursing care, you may spend the $50,000.00 of coverage in less than a year. On the other hand if you have $20,000.00 in expenses over four years you are not allowed to keep, or bank, the extra $30,000.00.

Loss of income:

You are entitled to receive weekly income loss payments if you are disabled as a result of an accident. But you must have been employed at the date of the accident or within 6 months of the accident.

You probably want to know: "How long will they pay?"

Your insurance company will have to pay your Section B income loss benefits for up to two years if you can't do your job.

After two years your insurance company only has to keep paying you if you can't do any job that you are suited to based on your past education, any training you may have had or your experience from other jobs in the past.

"How Much Will They pay For My Income Loss?"

You are entitled to be paid 80% of your net income loss from employment (what your take home pay was after deducting CPP, EI union dues etc) up to a maximum of $250.00 per week.

If you want more information about Car Accident claims in Nova Scotia call us for your copy of Crash Course: The Consumer’s Guide to Car Accident Claims in Nova Scotia. It’s basically a crash course in everything you need to know if you or a loved one has been hurt in a car accident. The book is for sale on Amazon but we will send you a copy, at no charge, if you call us at 902-423-2050 or go to www.crash course book.ca

http://www.apmlawyers.com

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