Navigating Post-Accident Expenses: Who Pays for What?

Experiencing an accident is an unfortunate event that can bring about significant physical and emotional stress and financial burden. Costs can quickly accumulate, from medical treatment to vehicle repairs and even loss of income due to an inability to work. Understandably, a common question many people face in the aftermath of an accident is: who is responsible for these costs? Keep reading as we break down the various expenses that may arise and explore who typically bears the responsibility.

Medical Treatment Costs

The most immediate concern after an accident is often medical treatment. From emergency care to long-term rehabilitation, these costs can add up quickly. In Alberta, your car insurance should cover a portion of your medical costs under the Accident Benefits coverage, regardless of who was at fault in the accident. This can include expenses such as ambulance services, medical and rehabilitation treatments, and necessary medication.

If your medical costs exceed the limit of your insurance coverage, or if another party was at fault for the accident, you may be able to seek further compensation through a personal injury claim. This can help cover remaining medical costs, future treatment needs, and other health-related expenses.

Vehicle Repairs

Your insurance company typically covers damage to your vehicle following an accident if you have collision coverage, regardless of fault. If the other driver was at fault and you don’t have collision coverage, their third-party liability insurance should cover the cost of your vehicle repairs.

In a situation where the at-fault driver is uninsured or underinsured, you may need to seek compensation through the Motor Vehicle Accident Claims Program (MVAC) in Alberta or potentially take legal action against the individual directly.

Loss of Income

If you cannot work due to injuries sustained in the accident, loss of income can be a significant concern. In Alberta, your Accident Benefits coverage should provide some income replacement, but this will be capped and may not fully cover your lost wages.

If another party caused your injuries, a personal injury claim can seek to recover additional lost income, as well as future loss of income if you’re unable to return to your previous employment.

Other Costs

There may be other expenses associated with an accident, such as costs of caregiving or home maintenance services if you cannot perform these tasks yourself due to your injuries. These, too, can be covered under your Accident Benefits coverage or claimed as part of a personal injury lawsuit.

Navigating these expenses can be complex and challenging, but you don’t have to do it alone. Engaging the help of a professional law firm like Safi Law Group can provide the guidance and assistance you need to ensure you receive the maximum compensation available. Don’t let the stress of post-accident expenses compound your recovery; contact our team for a free consultation today.