Minor Injury Cap in New Brunswick, Nova Scotia & PEI


There’s a common misconception
in New Brunswick, Nova Scotia and PEI that the minor injury cap limits the total amount you can recover
following a motor vehicle accident. If you were involved in an accident
caused by someone else, you may have received a call
from their insurance adjuster talking to you about the cap and offering
you that amount as a settlement. Before you settle your insurance claim, you should know that the minor injury cap only applies to one component: Pain and Suffering. Pain and Suffering provides compensation for things to which we can’t
attribute a specific value, such as physical scarring
or emotional stress. That is what the cap limits,
and only in cases of minor injuries. If you were involved in a motor vehicle accident
that was caused by someone else, you may be entitled to make a claim
for other things. For example, if you’ve missed
some time from work you may have a claim for loss of income or future loss of earnings. You may also claim for past or future
medical treatments. Those are things that are not limited
by the minor injury cap. Furthermore, if your injuries don’t fall within the
government’s definition of minor injury, your claim for Pain and Suffering
will not be limited either. We often recommend that people wait
about a year before settling their claim. It can take that long for your injuries
to become apparent and once you’ve accepted an offer
from the insurance company, you can’t make another claim. With that said, you should know all the
details of your claim and your injuries before accepting an offer
from the insurance company.

Leave a Reply

Your email address will not be published. Required fields are marked *