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How do I sue an unknown driver?

Section D is valuable because you’re protected by your own insurance company – even if you can’t identify the person who injured you. This means that your own insurance company will provide the compensation that you would be entitled to from the unidentified driver who caused the accident. If you have been injured and you are faced with the reality that you were struck by an unidentified driver – don’t worry about contacting your insurance company. Your insurance premiums should …

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Car Insurance 101

Most people take the age old advice when it comes to auto insurance quotes – figure out what coverage you need, then shop for the best rate. Nova Scotia, like most provinces, allows private insurance companies to sell car insurance. The insurance companies use brokers and agents to sell car insurance policies. The cheapest policy isn’t always the best policy. Ask friends, family, and co-workers about their experience with their car insurer. Whatever choice you …

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How to get insurance as a high-risk driver

Accidents happen. Whether it by bad driving or bad luck, some people find themselves in a situation where it can be challenging to get an insurance company to offer them a policy. Others are able to get a quote for a policy, but the monthly premium rate is extraordinarily expensive. The insurance companies consider applicants to fall in one of three categories: Regular– these people are considered low-risk. They will be offered policies by most or all …

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7 decisions that increase your car insurance cost

The insurance company is allowed to go through a process called ‘underwriting.’ The purpose of underwriting is to assess the insurance company’s risk by providing you with car insurance. Important information that the insurance company wants to know that will affect your rate include:

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Top 5 money saving factors for car insurance

Car insurance is a must for all drivers, but you don’t need to waste money buying coverage you don’t need. Here are the top 5 factors that will save you money when getting auto insurance, or changing your insurance provider:

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Are you driving a high-risk car without knowing it?

In Canada, Insurance companies use a complex system to determine how likely your vehicle is to be in an accident and how much the accident claim will cost. The system, the Canada Loss Experience Automobile Rating (CLEAR), assesses the expected and actual claims loss for each make, model, and year of vehicle. The particular car will then be classified into a risk group – based on the expected claims frequency, cost per claim, and likelihood …

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Car Accident Notice of Claim and Proof of Loss Form (Form NS-1)

The Notice of Loss & Proof of Claim Form (Form NS-1) is a document required by all car insurance companies. This form must be completed and provided to the insurer. The form asks for information specific to your insurance company (claim number, representative, policy number, date of accident), and your contact information. This question allow you to enter the contact information of a person who can make decisions on your behalf. This field typically applies if …

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Car Accident Treatment Plan (NS-2)

The Treatment Plan form is the key to medical treatment payment coverage by the insurance company. Medical treatment costs related to your accident related injuries are paid by the responsible car accident insurer through the accident benefits regime (otherwise known as ‘Section B benefits‘). The main component of the Treatment Plan are covered below: The treatment provider is asked to provide comments concerning his or her subjective findings as a result of their physical examination. The provider will assess your …

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Limitation period for car accident claim

Nova Scotia has legislation which limits when you can bring a legal claim for your injury claim. More specifically, there is a deadline to ‘file your action’ with the court. This limit is referred to as the limitation period. If you think you may have missed the deadline, you should consider filing your claim immediately. Your claim is not immediately invalid, but the insurer may argue that your claim is outside the time limit and …