View Post

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 …

View Post

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 …