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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 …

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Challenging a low-ball vehicle damage offer

Most people have some form of insurance for damage done to their vehicle. If your car is severely damaged, the insurance company may decide to ‘write-off’ your vehicle. Depending on the terms of your policy, your car is likely to be replaced with a new vehicle of comparable value. In other policies, you may be provided with a cheque for your car in exchange for its surrender. In this circumstance, you are given a cheque in exchange for …

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What is a car accident minor injury?

The Nova Scotia Insurance Act defines a minor injury as one that: a) does not result in a permanent serious disfigurement, b)  does not result in a permanent serious impairment of an important bodily function caused by a continuing injury which is physical in nature, and c) resolves within twelve months following the accident The Act goes on to explain what exactly qualifies as a  “serious impairment.” A serious impairment is one that causes substantial interference …