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What is the minor injury cap?

Nova Scotia has a Minor Injury Cap. This monetary cap limits the compensation you can receive for certain injuries which are typically less severe. As you might expect, the legal definition of “minor injury” is complex. It’s best to speak to a Car Accident Lawyer regarding your injury, and the applicability of the minor injury legislative cap. The legislation defines a Minor Injury as one that: The cap increases each year by a small amount. Your injury compensation will be limited based on the year in which your accident occurred. Talk to Jeff Mitchell today about your case. Book in a free …

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Bike accident insurance applicability

According to the Nova Scotia Motor Vehicle Act, cyclists have the same rights and responsibilities as motorists. When cyclists and motorists follow the same set of rules, the chance of a collision is greatly reduced. Bicyclists must obey the same traffic rules and regulations that apply to all road users. Unfortunately, not all bicycle riders know or understand this, especially young children. As a result, motorists must use extreme caution around bicyclists, especially younger riders. You must also respect the bicyclist’s right to share the road. When it comes to insurance, the distinction between cars and bikes is clear: only vehicles …

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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 not be impacted by your claim if you are deemed not to be at fault for the accident. Before you begin your discussion with the …

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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 make, be aware that the difference between policies are minimal. The Insurance Act in Nova Scotia requires basic protections for all drivers and passengers. As an example, …

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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 companies at a reasonable rate. Grey market- these people are more difficult to insure because they pose the most risk for the insurance company. What this …

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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: Questions about a car accident claim? Contact Jeff Mitchell for a free case review. Call toll-free: 1-855-670-1345 or 902-702-3452.

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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: Questions about a car accident claim? Contact Jeff Mitchell for a free case review. Call toll-free: 1-855-670-1345 or 902-702-3452.

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5 Must-know low premium tips for new drivers

First-time drivers and new drivers are often surprised at just how expensive car insurance can be. Most buyers don’t take advantage of discounts and other strategies to lower their monthly car insurance premium. Questions about a car accident claim? Contact Jeff Mitchell for a free case review. Call toll-free: 1-855-670-1345 or 902-702-3452.

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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 that the vehicle will be stolen. A higher CLEAR Number indicates a higher claims risk for the insurance company, while a lower number indicates a …

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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 an injured person wishes to have a parent, friend, or another trusted person discuss your file with the insurance company. You can leave this section blank …