Articles & Guides

Loss of earning capacity/competitive advantage is a type of damage that is meant to compensate you for a loss of productivity or effectiveness at work because of injuries.

Did you know that when a person is insured in Alberta, their insurance has a statutory obligation to defend them, help them with any lawsuits brought against them, hire legal counsel for them if necessary, and ultimately pay out any claims that are brought. Many people don’t like the idea of bringing lawsuits in general and especially when they are injured in an accident that was caused by a friend or family member. We often here that they don’t want to be “that kind of person” or that they don’t want to sue their family members or friends. The truth is, however, that insurance exists to help injured people. Your friend has likely been paying premiums for years and likely would not be against that insurance company paying out for your injury. We can’t imagine a world where everyone would wish the insurance company would just keep their money while you suffer. Remember, when you bring a claim, it is made through their insurance. Alberta has an “at fault” insurance model which means that if someone is at fault for an accident, their insurance must step in and pay the claim. So long as the person who caused the accident has insurance, they do not pay any damages awarded personally and it is the insurance company that is ultimately responsible for paying. If you do not bring a claim, you will not be able to rightfully recover from insurance benefits and damages that you are legally entitled to collect. It can be a strange thought to bring a claim against someone you know, but ultimately, insurance exists to help you when you are injured, and to help if you cause a collision. There is no downside to bringing a claim, but a huge downside if you do not.

Did you know that many people settle their car accident claims without knowing the full extent of the damages they are entitled to collect?

Did you know that there are engineers that specialize in reconstructing accidents? These engineers attend the scene of an accident

Did you know that police and collision reports can be wrong in relation to who is at fault for an accident?

Did you know that there is insurance in Alberta that will cover treatment for any injuries you’ve had in an accident? IMMEDIATELY.

To help you enjoy summer safely and create unforgettable memories, we’re highlighting some of the most common personal injuries caused by summer accidents.

Review our list of tips to minimize back-to-school accidents and other personal injuries while you are out on the road this season.