Every day people choose to drive a car as their preferred way to travel, and all without a second thought of the potential risks involved. All drivers are expected to share the road safely and responsibly, however, many people fail to do so, which can often lead to serious injury or even death.
Every year, people suffer severe harm in accidents due to the avoidable negligence of others. Some of the most common forms of negligence that frequently appear, resulting in an accident, are:
- Failure to heed changing weather and/or road conditions
- Driving under the influence of drugs and/or alcohol
- Texting behind the wheel
- Failure to obey traffic signals
- Exceeding posted speed limits
- Driver fatigue
- Improper lane changes
- Distracted driving
- Defective design/manufacture of vehicles and/or vehicle components
- Improperly loaded cargo
- Faulty or neglected vehicle maintenance
In Nova Scotia, every automobile used on public roadways must be insured. It is mandatory to carry coverage for third party liability, accident benefits, and for accidents caused by uninsured and unidentified motorists.
Third-party liability insurance covers you if you injure someone or damage someone else’s property with your automobile. The minimum coverage by law is at least $500,000 of liability coverage. Most Nova Scotians carry at least $1,000,000 of coverage.
Accident benefits include medical and rehabilitation expense benefits, funeral expense benefits, and loss of income benefits for yourself and other passengers involved in an accident.
Uninsured and unidentified automobile insurance covers you if you are involved in an accident with an uninsured or unidentified automobile.
Due to the force experienced in a serious car accident, the cases of injury may include, but are not limited to:
- Spinal cord damage
- Broken bones
- Herniated discs
- Skin burns and resulting disfigurement
- Limb amputations due to nerve damage
- Injuries to vital internal organs
- Traumatic brain injury/lasting cognitive impairment
- Torn ligaments
- Internal bleeding
To claim any benefit, you must first apply to your own insurance company, or if you do not have your own policy of automobile insurance, then will be required to access any other policy of insurance company that is available to you. To be eligible, you must be injured and provide your insurance company with written notice of your intention to do so within 30 days of the accident, and by filing a proof of claim within 90 days of the accident. Other time limits may also apply.
If you or a family member has been hurt in a car accident, please contact a lawyer.