Residents of Alberta have been guaranteed the opportunity to seek certain benefits, after becoming involved in a motor vehicle accident. Yet insurers do have some ability to deny requested benefits.
Such denials only prove successful if the accident victim has failed to fallow the established system. What is Alberta’s system for seeking benefits, following involvement in a motor vehicle accident?
Actions taken by those that use the established system, notify your insurance company just as soon as possible. Complete all of the claim application forms. Contact a Personal Injury Lawyer in Spruce Grove, especially if you have been asked to provide the insurer with an oral statement, one that can be recorded on tape.
What benefits can become available to someone that has completed that list of actions?
Money to cover medical and rehabilitation expenses; money for services and supplies. In Alberta there is a cap on the size of this benefit. It has been capped at $50,000.
There is reimbursement for loss of wages. The size of the reimbursement reflects the size of the plaintiff’s salary. The court awards 70% of the plaintiff’s gross income. You need money to cover the cost of a caregiver, if the victim has become temporarily or permanently handicapped.
Money for housekeeping: The court recognizes the fact that someone that remains unable to work lacks the ability to perform housework. The court’s attempt to return an accident victim to his or her former position should not include a step that calls for the plaintiff’s/victim’s acceptance of living quarters that are totally disorganized.
Money for death and funeral: awarded to a plaintiff that has lost a loved one as the result of an on-road accident.
What could cause the insurance company to deny one or more benefits?
Submission of the claim form on a date that exceeded the one given in the appropriate timeline. That timeline gets created by the government body of the region in which the accident took place.
Having incomplete information on the submitted claim form.
Having false information on the same type of form. Any statement submitted should agree with what has been placed in the doctor’s report.
Having the wrong date on the submitted form. It should not be a date that is expected to follow the postmark on the mailed letter. It must be one that precedes the date on the postmark.
Having the wrong signature on the submitted form. If someone helped with translating the claimant’s answers, then the translator’s signature should appear on the form, along with the signature of the person whose statement has been translated.
The absence of a second claim form, one completed by the treating physician.
The inclusion of information that proves difficult to decipher, usually due to how it was written.